Categories

A sample text widget

Etiam pulvinar consectetur dolor sed malesuada. Ut convallis euismod dolor nec pretium. Nunc ut tristique massa.

Nam sodales mi vitae dolor ullamcorper et vulputate enim accumsan. Morbi orci magna, tincidunt vitae molestie nec, molestie at mi. Nulla nulla lorem, suscipit in posuere in, interdum non magna.

Got a home loan? 5 steps to plan EMIs better

Buying a home and moving into it is a dream of many individuals and home loan is a viable option to make this dream come true. However, buying a house by means of home loans means payment of a hefty amount as down payment, as well as monthly outflow in the form of Equated Monthly Installments or EMIs.

Even if you can actually manage to pay the down payment by collecting from various sources, the monthly EMI is a new strain on your finances.

The fact which should be kept in mind is that the amount you pay as an EMI every month depends on the loan amount you borrow, which again depends on the down payment you made for your house.

Nowadays, most of the borrowers are families where both the spouses are working. As a result, loan eligibility is more, and people think they can afford to borrow more simply because they are eligible to do so.

However, remember that banks grant you loan based on the net take home pay, and not based on what you save. Hence you must borrow only to the extent you can comfortably repay. This means, to buy the house of the same value, you should increase the amount you pay as the down payment. Wait till you can save to pay a considerable amount as down payment, so that your borrowing is reduced. If you still feel that this is a stretch, settle for a house with a lower budget.

Assuming you went ahead and bought a house by shelling out the minimum amount as down payment, by opting for a large loan, but now you face with the predicament of high EMIs. How can you meet your EMIs in a way such that your financial position is comfortable? Here are a few ways to plan your cash flows such that your EMIs are managed:

1. Remember your money is bringing in an asset:

First and foremost, instead of blaming yourself for having bought the house without doing the math correctly, be thankful that your monthly income is going towards servicing a loan for an asset.

2. Streamline a process:

Next, look at how you can streamline a process, which you can follow while you service your home loan. You can start off by analysing where you spend your salary other than on the EMI. Look at areas where you can cut back expenses, especially on the discretionary areas.

For instance, if you find out that expenses on eating out comes to Rs.5,000 per month, look at how you can reduce this – either by reducing the number of outings or cooking attractive options at home which will consume much less money.

3. Create separate accounts for loan and savings:

Have separate accounts for servicing the loan and for savings. When you route all expenses through one savings bank account, it becomes difficult to keep track of the various debits in the account. Furthermore, if both you and your spouse are working, then there will be income credits in both your salary accounts. Discuss and take a joint decision before-hand on the expense heads which will be debited from your account and your spouse’s account.

For example: you can decide to pay for all utility bills and household expenses from your account, while your spouse’s income can be used for meeting lifestyle expenses. When you have different accounts for tracking different expenses, it becomes more disciplined and easier to control expenses. This will also allow you to track patterns of your expenses on the same head in different months. Spending less means saving more, and this automatically makes your cash flow position comfortable.

4. Maintain a contingency fund:

You should always maintain a contingency fund which will help you pay your EMIs in case of emergencies. Remember that when you take a home loan, it is your duty to service the loan under any circumstances. A failure to service your EMIs promptly will mark you as a defaulter, and as a result cause a dip in your credit score. Your contingency fund should be able to service at least 3 EMIs comfortably, if there is an emergency. Start building this corpus gradually in small installments when you begin your home loan.

5. Use extra money to prepay your loan:

If you have any excess savings during the month, invest in good quality mutual funds, which will give you good returns over the long term. If you build a healthy corpus at the end of 2 or 3 years, you can partly prepay your home loan to bring down the EMI amount or tenure.

Whenever, you receive any windfalls or sudden gains, use it wisely by partly prepaying your loan, instead of spending it on purchasing unnecessary luxuries. When you partly prepay your loan, you can either choose to reduce the overall tenure of the loan, or bring down the EMI amount. If monthly cash flow position is really tight, then you can choose to cut down the EMI till your cash flows improve. However, this strategy might not be as useful as bringing down the overall tenure of the loan. This will reduce the total interest outflow.

Some banks offer you a step-down EMI option, wherein you can bring down your EMI amount temporarily, till your income and cash flows stabilise, and then increase it back to the usual level using a step-up EMI option.

BankBazaar.com is an online loan marketplace.

Disclaimer: All information in this article has been provided by BankBazaar.com and NDTV Profit is not responsible for the accuracy and completeness of the same.

[…]

Before You Invest, Calculate Cash Flow

Before you invest for the long term, know where you stand today. An important step is to calculate your monthly cash flow to see if you have funds to invest.

Start by getting a handle on your monthly net income—the money you take home every month after taxes. This includes your salary and other steady and reliable sources of income, such as money from a second job, child support or alimony that you receive, or social security. If you already own some investments, you may receive dividend or interest payments. All of these income streams contribute to cash flow.

Next, calculate your monthly expenses. These include your rent or mortgage, car lease or loan, personal loan, credit card and child support or alimony payments. Also include money for groceries, utilities, transportation and insurance. Don’t forget money that you spend on items that are “discretionary,” rather than necessary. Do you have a cable bill? How about a gym fee? Also add in money spent on clothes, gifts, and entertainment. Average your actual expenses over a three-month period to come up with a reliable monthly estimate.

Then, subtract your monthly expense figure from your monthly net income to determine if you have leftover cash. If the result is a negative cash flow, that is, if you spend more than you earn, you’ll need to look for ways to cut back on your expenses before you can consider investing. If the result is a positive cash flow, but your spending nearly equals your earnings, it might be too soon to start investing right now.

To invest, your net income must exceed your expenses—with some room to spare. If this is not the case, look for expenses you could eliminate or reduce. Maybe some of your discretionary expenses are luxuries that you could give up. Perhaps a debt refinancing or consolidation could reduce your monthly payments. A financial professional may be able to help you with these matters.

Use FINRA’s worksheet to calculate your cash flow.

Gerri Walsh is Senior Vice President of Investor Education at the Financial Industry Regulatory Authority (FINRA).

FINRA is the largest independent regulator for all securities firms doing business in the United States. Our chief role is to protect investors by maintaining the fairness of the U.S. capital markets. FINRA does not endorse, sponsor, or guarantee, nor is it sponsored by, any advertisers on this site, and any dealings with those advertisers are solely between you and the advertisers.

[…]

Payday loan plus Point out Necessary Permits

Will not spend a lot additional versus the by law authorized installments. easy payday loan Will not in addition apply at this kind of financial institutions, due to the fact these people are usually not really legitimate too. It is best you research numerous provides associated with harmless payday advances on the web. Because of strong aggressive pay day loan organization, numerous on the net loan providers greatly reduce their own MONTHLY INTEREST in some degree. A good bit of a decrease connected with charge monthly payment can save you cash plus pay back will likely be less difficult. By way of secure pay day loans, they have got softer admission to $465.21 in order to $1200, if they happen to be identified worthy of the particular cash. Typically the loaning corporations concern these kind of financial loans for just a quite short while involving 14 days. Therefore people who find the paycheque occasional or perhaps when within a 1 week, they could reimburse about up coming cash advance. You may not generally experience virtually any credit report checks. in spite of a poor credit rating connected with handful of conditions lately bills together with fails as well as consumer bankruptcy, that you are in order to get a loan inside the exact same moment. Still several unprincipled credit global businesses are in the industry to get extorting extremely troublesome price expenses. To help you resistant to this sort of loan companies, a state authorities throughout US occurs away together with laws and regulations who have given this monetary rates about cash loans. Secure pay day loans are and so as the debtors usually do not accumulate dangers. They just don’t must produce just about any give connected with safety measures towards the financial institution. They are really granted admission to all these money around less complicated method whether or not generally there will be a good very bad credit background. Consequently earlier file lately bills together with arrears is not important and is also not really a hindrance. These are typically the causes that will make these kind of loan products thoroughly secure for your salaried men and women connected with U . S .. Ever since the govt laws and regulations include granted the particular security for the consumer, they are secure pay day loans for that US ALL persons. Find out about the most payment which a financial institution within our status can be permitted demand for every $465.21 directed at people like cash advance. However, not most people are a candidate. Simply individuals Us residents connected with eighteen years old or maybe preceding meet the criteria who will be having typical month to month or maybe 48 hour paycheque a new minimal connected with prior a few months. They have to possess good together with lively financial institution bank account.

[…]

First Time Home Buyer Loans Low Closing Cost Low Monthly …

Image 23.jpg


>> First Time Home Buyer Loans Low Closing Cost Low Monthly – Get your fast cash advance. 100% Easy Credit Check. Apply Now.

First Time Home Buyer Loans Low Closing Cost Low Monthly

First Time Home Buyer Loans Low Closing Cost Low Monthly

Security of Site:
Ease of Use:
Cost of Loan:
Customer Service:

Cash $1000 in your hand in Fast Time. No Hassle. Simple, Easy & Secure. Apply Now.

Apply for Payday Loan # First Time Home Buyer Loans Low Closing Cost Low Monthly

First Time Home Buyer Loans Low Closing Cost Low Monthly


First Time Home Buyer Loans Low Closing Cost Low Monthly

As soon because you submit your Loan request, First Time Home Buyer Loans Low Closing Cost Low Monthly-loaners will start assessing your Loan request. The approval process just takes few minutes. Quick Cash Advance Payday Loan loaners offer fast Online Loan application, with quick decisions and quick cash. These payday advances enable you to acquire the funds you need, without long interviewing sessions, questionnaires and forms using the loaners. Websites and Phone lines are open 24 hours, 365 days. First Time Home Buyer Loans Low Closing Cost Low Monthly.

Related Posts

> Loans For First Time Home Buyers Canada – Online payday loans $100 to $1000. Directly Deposited in 24+ hour. Approval Takes Only Second. Quick Apply Now.” />>> Loans For First Time Home Buyers Canada – Online payday loans $100 to $1000. Directly Deposited in 24+ hour. Approval Takes Only Second. Quick Apply Now.> Low ome Home Improvement Loans 3 – $100$1000 Fast Cash Online in Fast Time. Easy Credit Check Fast Credit Check. Approve in seconds. Easy Apply Now.” />>> Low ome Home Improvement Loans 3 – $100$1000 Fast Cash Online in Fast Time. Easy Credit Check Fast Credit Check. Approve in seconds. Easy Apply Now.> loans for mobile home with bad credit – Payday Loan in Overnight. No Hassle, No Faxing. Instant Approval in Minutes. Apply Now for Your Cash.” />>> loans for mobile home with bad credit – Payday Loan in Overnight. No Hassle, No Faxing. Instant Approval in Minutes. Apply Now for Your Cash.> florida loans low mortgage rate northstar-finance.net – Online Payday loan up to $1,000 in Fast Time. Fast Credit Check OK. Instant Aprpoval as soon as 1 Hour. Get Loan Online Now.” />>> florida loans low mortgage rate northstar-finance.net – Online Payday loan up to $1,000 in Fast Time. Fast Credit Check OK. Instant Aprpoval as soon as 1 Hour. Get Loan Online Now.> low cost van loans – Cash Advances in 24 Hour. No Hassle, Fast Credit Check. Get Approved, Withdraw your cash. Get $1000 Tonight.” />>> low cost van loans – Cash Advances in 24 Hour. No Hassle, Fast Credit Check. Get Approved, Withdraw your cash. Get $1000 Tonight. […]

Important Things To Consider For The Use Of Payday Loans – riotfest

urgent payday loans online Get short term loans in Chesapeake Virginia by using urgent $ 800 payday loans online direct lender no extra fee 1 min approval.

Monetary hardship is definitely a challenging issue to undergo, and in case you are facing these circumstances, you will need quick cash. For many buyers, a pay day loan might be the ideal solution. Read on for many beneficial insights into online payday loans, what you should look out for and the ways to get the best option.

In case you are applying for a pay day loan on the web, ensure that you get in touch with and speak to an agent prior to entering any information and facts in the internet site. Many con artists make-believe to get pay day loan firms to acquire your money, so you want to ensure that you can reach a genuine man or woman.

Make sure you choose your pay day loan carefully. You should think of the length of time you will be provided to pay back the borrowed funds and just what the interest rates are just like before selecting your pay day loan. See what your greatest options are and then make your variety to avoid wasting cash.

Think about online shopping for any pay day loan, if you will need to take a single out. There are various websites offering them. Should you need a single, you will be currently restricted on cash, so just why spend fuel traveling close to searching for the one that is wide open? You do have the choice of doing the work all from your work desk.

In case you are contemplating acquiring a pay day loan, you have to be sure you take into account the monthly interest. Every firm will charge a fee a different monthly interest than the other businesses. Be sure to check around. You are able to significant amounts of cash if, you discover a pay day loan having a comparatively reduced level.

Paying back a pay day loan immediately is usually the easiest method to go. Spending it away immediately is usually a good thing to complete. Loans the loan via many extensions and income periods allows the monthly interest time for you to bloat the loan. This can easily set you back several times the total amount you obtained.

Be sure you probably know how much more charges you get, when you select to “roll-over” the loan. It may seem you will be offering oneself more hours to spend the borrowed funds again, but you are also taking on more charges on the accounts. Ask what charges come to mind, in a roll-over before you do a single.

Be sure to seek advice from the Better Organization Bureau prior to agreeing to any sort of pay day loan. Should you this, it is simple to discover the standing of the organization, and when some other borrowers have had problems. When you notice that there are tons of problems, regardless of how very good the offer might appear, stay away!

When seeking to achieve a pay day loan as with all purchase, it is wise to take the time to check around. Diverse spots have programs that change on interest rates, and satisfactory sorts of equity.Look for a loan that works well in your best interest.

If you are applying for a pay day loan, ensure that you are very truthful on the program. Unless you know the answer to several of the inquiries, take the time to talk with a representative. If you are sincere, you will notice that there is a lower potential for acquiring a bank loan that you just will struggle to pay off.

These seeking to get a pay day loan will be sensible to investigate online payday loans, having a roll-over alternative. At times you won’t be capable of pay for the whole bank loan with the thanks date. Some loans will assist you to pay merely the fascination, and lengthen the borrowed funds for another pay time.

If you are you may have been taken good thing about by way of a pay day loan firm, document it immediately for your state govt. When you postpone, you may be damaging your chances for any sort of recompense. At the same time, there are numerous people such as you that need true help. Your revealing of the inadequate businesses can keep other folks from possessing comparable circumstances.

Compile a summary of each and every debts you may have when acquiring a pay day loan. This includes your medical monthly bills, unpaid bills, home loan repayments, and much more. With this collection, you may decide your monthly bills. Do a comparison for your monthly earnings. This can help you ensure that you get the best possible determination for repaying the debt.

Payday loans can give you cash to spend your debts today. You just need to know what to expect in the whole procedure, and ideally this article has provided you that information and facts. Be certain to use the suggestions in this article, since they will allow you to make better selections about online payday loans.

[…]

Cbeyond Reports Third Quarter 2012 Results

Solid EBITDA and Free Cash Flow;
Market Launch of New Cbeyond 2.0 Products

ATLANTA, Nov. 5, 2012 (GLOBE NEWSWIRE) — Cbeyond, Inc. (CBEY), (“Cbeyond”), the technology ally for small and mid-sized businesses, today announced its results for the third quarter ended September 30, 2012.

Recent financial and operating highlights include:

Third quarter 2012 total revenue of $121.5 million compared with $122.5 million in the third quarter of 2011 and $123.8 million in the second quarter of 2012;
Adjusted EBITDA of $25.2 million in the third quarter of 2012 compared with $18.9 million in the third quarter of 2011, and $27.2 million in the second quarter of 2012 (see reconciliation tables for reconciliation to net income);
Free cash flow (defined as adjusted EBITDA less cash capital expenditures) of $7.7 million in the third quarter of 2012, compared with ($0.4) million in the third quarter of 2011, and $12.5 million in the second quarter of 2012;
Net income of $2.0 million in the third quarter of 2012, compared with a net loss of $1.1 million in the third quarter of 2011, and net income of $2.7 million in the second quarter of 2012;
Cbeyond 2.0 revenue was 7.8% of total revenue in the third quarter, an increase from 6.5% last quarter;
Average monthly revenue per customer (ARPU) of $640 during the third quarter of 2012 compared with $645 in the second quarter of 2012 and $658 in the third quarter of 2011; and,
Updated annual guidance for 2012 to $487 million to $488 million of revenue, $92 million to $93 million of adjusted EBITDA, cash capital expenditures to be slightly above $60 million, and $30 million to $32 million of free cash flow.

Financial Overview and Key Operating Metrics

Financial and operating metrics, which include non-GAAP financial measures, for the three and nine months ended September 30, 2012, include:

For the Three Months Ended September 30,
2011 2012 Change % Change Selected Financial Data (dollars in thousands)

Revenue (total) $ 122,529 $ 121,491 $ (1,038) (0.8%) Operating expenses $ 123,043 $ 117,431 $ (5,612) (4.6%) Operating income (loss) $ (514) $ 4,060 $ 4,574 N/M Net income (loss) $ (1,141) $ 1,953 $ 3,094 N/M Capital expenditures (total) $ 19,273 $ 17,516 $ (1,757) (9.1%)

Key Operating Metrics and Non-GAAP Financial Measures

(dollars in thousands, except Average Monthly Revenue Per Network Access Customer)
Network Access Customers (At Period End) 61,125 60,876 (249) (0.4%) Net Network Access Customer Additions 1,460 (1,139) (2,599) (178.0%) Average Monthly Churn Rate 1.4% 1.6% 0.2% 14.3% Average Monthly Revenue Per Network Access Customer $ 658 $ 640 $ (18) (2.7%) Adjusted EBITDA $ 18,877 $ 25,207 $ 6,330 33.5% Cash capital expenditures $ 19,273 $ 17,516 $ (1,757) (9.1%)

For the Nine Months Ended September 30,
2011 2012 Change % Change Selected Financial Data (dollars in thousands)

Revenue (total) $ 362,101 $ 369,096 $ 6,995 1.9% Operating expenses $ 365,648 $ 360,718 $ (4,930) (1.3%) Operating income (loss) $ (3,547) $ 8,378 $ 11,925 N/M Net income (loss) $ (2,958) $ 3,453 $ 6,411 N/M Capital expenditures (total) $ 59,322 $ 50,474 $ (8,848) (14.9%)

Key Operating Metrics and Non-GAAP Financial Measures

(dollars in thousands, except Average Monthly Revenue Per Network Access Customer)

Network Access Customers (At Period End) 61,125 60,876 (249) (0.4%) Net Network Access Customer Additions 4,153 (1,293) (5,446) (131.1%) Average Monthly Churn Rate 1.3% 1.5% 0.2% 15.4% Average Monthly Revenue Per Network Access Customer $ 663 $ 648 $ (15) (2.3%) Adjusted EBITDA $ 57,604 $ 75,417 $ 17,813 30.9% Cash capital expenditures $ 59,235 $ 47,117 $ (12,118) (20.5%)

Management Comments

“I’m pleased with Cbeyond’s progress in its strategic evolution and believe that the third quarter marks an important point in our path for several reasons,” said Jim Geiger, chief executive officer of Cbeyond, Inc. “First, we launched two key cloud services products that address the 2.0 business opportunity: Total Cloud Data Center, a secure, enterprise class, customizable set of managed services, and Total Cloud Phone System, an advanced version of our hosted PBX offering. Second, we lit dark fiber in our first batch of 35 buildings, with many more on the way, and third, most of our new 2.0 sales force is now in place and beginning to be productive. The combination of these three events represents a powerful platform for our future growth, and we look forward to developing the opportunities they afford us.”

Geiger added, “Meeting our financial commitments is highly important to us, so I’m very pleased to report that we are adjusting our 2012 guidance to note our confidence in achieving revenue and free cash flow toward the high end of prior guidance, while we expect to exceed our prior guidance on adjusted EBITDA, even during a significant business transformation.”

Third Quarter Financial and Business Summary

Revenues and ARPU

As of the third quarter of 2012, the Company now reports its operations under a single segment because the Company has fully integrated its cloud acquisitions into the rest of its operations and now manages its business as a unified whole. The Company is required to report segment data consistent with the way it manages its business. However, it will continue to provide detailed revenue data and, as a result of this change, the Company now categorizes its revenue into two product groups. The first category is Network, Voice and Data, which includes its traditional BeyondVoice packages and related services, terminating access and mobile and office applications. The second category is Managed Hosting and Cloud, which includes virtual and physical servers, cloud PBX and other cloud services. Please refer to the last table at the end of this release for a breakdown of revenue under these categories for all historical periods going back through 2011. [NOTE: See our 10-Q for additional comments regarding the segment change].

Another change to note is in the reported ARPU metric. After integrating the billings systems inherited from acquisitions, to be consistent the Company is now able to accurately include certain cloud revenues that should be counted in its ARPU calculation as this revenue is associated with customers who also purchase network access. A recalculation of total ARPU going back through 2011 is presented in the last table of the release.

Cbeyond reported total revenues of $121.5 million for the third quarter of 2012, a decrease of 0.8% from the third quarter of 2011 and a decrease of 1.8% from the second quarter of 2012. Managed Hosting and Cloud revenue increased 15.7% year-over-year for the third quarter of 2012. The decline in total revenue was the result of 1,139 fewer customers due to higher churn and lower sales of communications centric customers that was partially offset by increases in 2.0 revenue to technology dependent customers. The revenue trends in the quarter, which were in-line with prior expectations, reflect the current sales force transition, the ramp of 2.0 efforts and customer churn that was slightly higher than in prior periods.

ARPU was $640 in the third quarter of 2012, compared with $645 in the second quarter of 2012, and $658 in the third quarter of 2011. While ARPU changes result from a variety of factors, the most significant contributor to the decline in ARPU during the third quarter was a reduction in terminating access charges, as mandated by the Federal Communications Commission.

Cost of Service and Gross Margin

Cbeyond’s gross margin was 68.2% in the third quarter of 2012, an increase of 120 basis points from the 67.0% level in the third quarter of 2011 and 70 basis points from the 67.5% in the second quarter of 2012. The sequential improvement in gross margin was the result of higher cost recoveries from network partners as well as reduced mobile costs.

Adjusted EBITDA and Net Income

Adjusted EBITDA for the third quarter of 2012 was $25.2 million, as compared with adjusted EBITDA of $27.2 million in the second quarter of 2012, and $18.9 million in the third quarter of 2011. The quarter-to-quarter decline in adjusted EBITDA was in-line with expectations and was the result of lower revenue and slightly higher SG&A expense, driven by the hiring in new sales channels.

Cbeyond reported net income of $2.0 million for the third quarter of 2012 compared with $2.7 million in the second quarter of 2012 and a net loss of $1.1 million for the third quarter of 2011. The year-on-year improvement in net income was driven predominantly by the increase in Adjusted EBITDA.

Cash, Cash Equivalents, and Borrowings

Cash and cash equivalents amounted to approximately $24 million at the end of the third quarter of 2012, as compared with $10.7 million at the end of the second quarter of 2012. The Company currently has $2 million outstanding on its fiber loan while it does not have any outstanding borrowings under its $75 million revolving credit facility.

Capital Expenditures

Total capital expenditures were $17.5 million during the third quarter of 2012, all of which were cash capital expenditures. The Company did not incur any non-cash capital expenditures during the period. Non-cash capital expenditures represent Cbeyond’s capital leases of fiber network assets, which are being paid over time. In the second quarter of 2012, capital expenditures were $15.7 million, of which $14.8 million were cash capital expenditures and $1.0 million were non-cash capital expenditures.

Free Cash Flow

Free cash flow, defined as adjusted EBITDA less cash capital expenditures, was $7.7 million in the third quarter of 2012, compared with $12.5 million in the second quarter of 2012 and ($0.4) million in the third quarter of 2011. The year-over-year increase was due to improved adjusted EBITDA and lower capital expenditures, which resulted from reduced levels of investment on Ethernet-over-copper technology in 2012, as planned.

Business Outlook for 2012

Cbeyond has updated its guidance for 2012 to the following:

Current Guidance Prior Guidance Revenue $487 million — $488 million $485 million — $490 million Adjusted EBITDA $92 million — $93 million $85 million — $90 million Cash Capital Expenditures Slightly above $60 million $55 million — $60 million Free Cash Flow $30 million — $32 million $25 million — $35 million

Regarding capital expenditures, it should be noted that the guidance range of “slightly above $60 million”, as well as the resulting $30 million to $32 million of free cash flow (adjusted EBITDA less capital expenditures), relates to cash capital expenditures. Cbeyond has already and may continue to enter into agreements for fiber networks involving long-term capital leases that will create additional non-cash capital expenditures this year not included in the guidance range provided above. The assets acquired under these agreements are excluded from the Company’s definition of cash capital expenditures because they do not require upfront outlays of cash.

Preliminary Business Outlook for 2013

Based on its current assumptions for churn, sales rep productivity, the current macro environment and other key drivers of its business and barring any material changes to these key drivers, Cbeyond is providing the following commentary regarding its preliminary outlook for 2013.

Management expects revenue to be close to 2012 levels with increasing growth in the latter part of the year. Adjusted EBITDA is expected to decline in 2013 due to increased levels of SG&A expense primarily associated with the growing sales force needed to support future levels of revenue growth. With respect to cash capital expenditures, management expects a slightly higher level relative to 2012. As a result, management expects a reduced level of free cash flow when compared with 2012. However, management expects to continue its focus on delivering significant levels of positive free cash flow in 2013 and future years.

Conference Call

Cbeyond will hold a conference call to discuss this press release Monday, November 5, 2012, at 5:00 p.m. EST. A live broadcast of the conference call will be available on-line at www.cbeyond.com. To listen to the live call, please go to the web site at least 10 minutes early to register, download, and install any necessary audio software. The conference call will also be available by dialing (877) 303-9219 (for domestic U.S. callers) and (760) 666-3559 (for international callers). For those who cannot listen to the live broadcast, an on-line replay will be available shortly after the call and continue to be available for one year.

About Cbeyond

Cbeyond, Inc. (CBEY) is the technology ally for small and mid-sized business. Our private, proactively-managed IP network connects customers to voice, data and enterprise applications hosted in our award-winning cloud data centers. Since 1999, Cbeyond has served the unmet needs of businesses through technology and service innovation. We were the first company to build an all-IP network specifically for small businesses and among the few to offer consultative sales and service professionals onsite. Today, our expanded portfolio helps customers reduce the burden of outlaying capital and manpower to manage infrastructure. Creating an exceptional customer experience is in our DNA. It’s why more than a third of our approximately 60,000 customers come from referrals. For more information on Cbeyond, visit www.cbeyond.com and follow Cbeyond on Twitter: www.twitter.com/Cbeyondinc.

Forward-Looking Statements

This document contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include, but are not limited to, statements identified by words such as “expectations,” “guidance,” “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “targets,” “projects” and similar expressions. Such statements are based upon the current beliefs and expectations of Cbeyond’s management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements. Factors that might cause future results to differ include, but are not limited to, the following: finalization of operating data, the significant reduction in economic activity, which particularly affects our target market of small businesses; the risk that we may be unable to continue to experience revenue growth at historical or anticipated levels; changes in business climate or other factors affecting our customer base; the risk of unexpected increases in customer churn levels; our ability to manage competitive pricing dynamics in our markets; changes in federal or state regulation or decisions by regulatory bodies that affect Cbeyond; periods of economic downturn or unusual volatility in the capital markets or other negative macroeconomic conditions that could harm our business, including our access to capital markets and the impact on certain of our customers to meet their payment obligations; the timing of the initiation, progress or cancellation of significant contracts or arrangements; the mix and timing of services sold in a particular period; our ability to recruit and maintain experienced management and personnel; rapid technological change and the timing and amount of start-up costs incurred in connection with the introduction of new services or the entrance into new markets; our ability to maintain or attract sufficient customers in existing or new markets; our ability to respond to increasing competition; our ability to manage the growth of our operations; changes in estimates of taxable income or utilization of deferred tax assets which could significantly affect the Company’s effective tax rate; pending regulatory action relating to our compliance with customer proprietary network information; the risk that the anticipated benefits, growth prospects and synergies expected from our acquisitions may not be fully realized or may take longer to realize than expected; the possibility that economic benefits of future opportunities in an emerging industry may never materialize, including unexpected variations in market growth and demand for the acquired products and technologies; delays, disruptions, costs and challenges associated with integrating acquired companies into our existing business, including changing relationships with customers, employees or suppliers; unfamiliarity with the economic characteristics of new geographic markets; ongoing personnel and logistical challenges of managing a larger organization; our ability to retain and motivate key employees from the acquired companies; external events outside of our control, including extreme weather, natural disasters, pandemics or terrorist attacks that could adversely affect our target markets; our ability to implement and execute successfully our new strategic focus; our ability to expand fiber availability; the extent to which small and medium sized businesses continue to spend on cloud, network and security services; our ability to recruit, maintain and grow a sales force focused exclusively on our technology-dependent customers; our ability to integrate new products into our existing infrastructure; the effects of realignment activities; the extent to which our customer mix becomes more technology-dependent; our ability to achieve future cost savings related to our capital expenditures and investment in Ethernet technology; and general economic and business conditions. You are advised to consult any further disclosures we make on related subjects in the reports we file with the SEC, including the “Risk Factors” in our most recent annual report on Form 10-K, together with updates that may occur in our quarterly reports on Form 10-Q and Current Reports on Form 8-K. Such disclosure covers certain risks, uncertainties and possibly inaccurate assumptions that could cause our actual results to differ materially from expected and historical results. We undertake no obligation to correct or update any forward-looking statements, whether as a result of new information, future events or otherwise.

Key Operating Metrics and Non-GAAP Financial Measures

In this press release, the Company uses several key operating metrics and non-GAAP financial measures. The Company defines each of these metrics and provides a reconciliation of non-GAAP financial measures to the most directly comparable generally accepted accounting principles in the United States, or GAAP, financial measure. These financial measures and operating metrics are a supplement to GAAP financial information and should not be considered as an alternative to, or more meaningful than, net income, cash flow or operating income as determined in accordance with GAAP.

Adjusted EBITDA is not a substitute for operating income, net income, or cash flow from operating activities as determined in accordance with GAAP, as a measure of performance or liquidity. The Company defines EBITDA as net income (loss) before interest, income taxes, depreciation and amortization. However, we use adjusted EBITDA, also a non-GAAP financial measure, to further exclude, when applicable, non-cash share-based compensation, public offering or acquisition-related transaction costs, purchase accounting adjustments, gain or loss on asset dispositions and non-operating income or expense. On a less frequent basis, adjusted EBITDA may exclude charges for employee severances, asset or facility impairments, and other exit activity costs associated with a management directed plan. Information relating to adjusted EBITDA is provided so that investors have the same data that management employs in assessing the overall operation of the Company’s business.

Adjusted EBITDA allows the chief operating decision maker to assess the performance of the Company’s business on a consolidated basis that corresponds to the measure used to assess the ability of its operating segments to produce operating cash flow to fund working capital needs, to service debt obligations and to fund capital expenditures. In particular, adjusted EBITDA permits a comparative assessment of the Company’s operating performance, relative to a performance based on GAAP results, while isolating the effects of depreciation and amortization, which may vary among segments without any correlation to their underlying operating performance, and of non-cash share-based compensation, which is a non-cash expense that varies widely among similar companies.

Free cash flow represents the cash that a company is able to generate after cash expenses and capital expenditures necessary to maintain or expand its asset base. The Company defines free cash flow as adjusted EBITDA less cash capital expenditures. Cbeyond believes that free cash flow is an important metric for investors in evaluating how a company is currently using cash generated, and may indicate its ability to generate cash that can potentially be used by the business for capital investments, acquisitions, reduction of debt, payment of dividends or share repurchases. Internally, Cbeyond has also begun to focus on free cash flow as an important operating performance metric and has designed its corporate bonus compensation plan to utilize free cash flow as a component. However, free cash flow is not a measure of financial performance under GAAP and may not be comparable to similarly titled measures reported by other companies. Additionally, the Company does not present or manage free cash flow on a segment basis.

CBEYOND, INC. AND SUBSIDIARIES Condensed Consolidated Statements of Operations (In thousands, except per share amounts) (Unaudited)

Three Months Ended
September 30,
Nine Months Ended
September 30,

2011 2012 2011 2012

Revenue 122,529 121,491 362,101 369,096

Operating expenses:

Cost of revenue (excluding depreciation and amortization) 40,457 38,675 120,261 119,323 Selling, general and administrative (excluding depreciation and amortization) 65,744 60,584 194,587 185,977 Depreciation and amortization 16,842 18,172 50,800 55,418 Total operating expenses 123,043 117,431 365,648 360,718

Operating income (loss) (514) 4,060 (3,547) 8,378

Other income (expense):

Interest expense (136) (138) (363) (409) Other income, net — — 1,210 — Total other income (expense) (136) (138) 847 (409)

Income (loss) before income taxes (650) 3,922 (2,700) 7,969

Income tax expense (491) (1,969) (258) (4,516)

Net income (loss) $ (1,141) $ 1,953 $ (2,958) $ 3,453

Net Income (loss) per common share:

Basic $ (0.04) $ 0.07 $ (0.10) $ 0.12 Diluted $ (0.04) $ 0.06 $ (0.10) $ 0.12

Weighted average number of common shares outstanding:

Basic 29,442 29,533 29,606 29,348 Diluted 29,442 30,267 29,606 29,971

CBEYOND, INC. AND SUBSIDIARIES Condensed Consolidated Balance Sheets (In thousands) (Unaudited)

December 31,
2011
September 30,
2012
ASSETS

Current assets

Cash and cash equivalents $ 8,521 $ 23,876

Accounts receivable, gross 27,479 25,877 Less: Allowance for doubtful accounts (2,608) (2,346) Accounts receivable, net 24,871 23,531

Other assets 11,526 14,660 Total current assets 44,918 62,067

Property and equipment, gross 486,273 527,289 Less: Accumulated depreciation and amortization (325,803) (370,789) Property and equipment, net 160,470 156,500 Other non-current assets 35,684 32,533 Total assets $ 241,072 $ 251,100

LIABILITIES AND STOCKHOLDERS’ EQUITY
Current liabilities
Accounts payable $ 14,467 $ 16,462 Other current liabilities 53,760 51,344 Total current liabilities 68,227 67,806

Non-current liabilities 8,858 7,351 Non-current fiber debt — 3,158

Stockholders’ equity
Common stock 289 298 Additional paid-in capital 311,370 318,709 Accumulated deficit (147,672) (146,222) Total stockholders’ equity 163,987 172,785 Total liabilities and stockholders’ equity $ 241,072 $ 251,100
CBEYOND, INC. AND SUBSIDIARIES Selected Quarterly Financial Data and Operating Metrics (Dollars in thousands, except for Network Access Customer Data) (Unaudited)


Sep. 30 2011 Dec. 31 2011 Mar. 31 2012 Jun. 30 2012 Sep. 30 2012 Revenues

Network, Voice and Data $ 117,061 $ 117,702 $ 118,087 $ 117,674 $ 115,164 Managed Hosting and Cloud 5,468 5,619 5,756 6,088 6,327 Total Revenue $ 122,529 $ 123,321 $ 123,843 $ 123,762 $ 121,491

Adjusted EBITDA $ 18,877 $ 22,559 $ 22,974 $ 27,236 $ 25,207 Adjusted EBITDA margin (As % of Total Revenue) 15.4% 18.3% 18.6% 22.0% 20.7%

Cash Capital Expenditures $ 19,273 $ 18,369 $ 14,836 $ 14,765 $ 17,516 Non-cash Capital Expenditures

Capital Leases $ — $ — $ 2,400 $ 957 $ — Leasehold Improvements $ — $ — $ — $ — $ — Total Capital Expenditures $ 19,273 $ 18,369 $ 17,236 $ 15,722 $ 17,516

Free cash flow $ (396) $ 4,190 $ 8,138 $ 12,471 $ 7,691

Network Access Customer Data

Network Access Customers (At Period End) 61,125 62,169 62,465 62,015 60,876 Net Network Access Customer Additions 1,460 1,044 296 (450) (1,139) Average Monthly Churn Rate (1) 1.4% 1.4% 1.5% 1.5% 1.6% Average Monthly Revenue Per Network Access Customer (2) $ 658 $ 650 $ 645 $ 645 $ 640

(1) Calculated for each period as the average of monthly churn, which is defined for a given month as the number of network access customers disconnected in that month divided by the number of network access customers on the Company’s network at the beginning of that month.

(2) Calculated as the revenue for a period divided by the average of the number of network access customers at the beginning of the period and the number of network access customers at the end of the period, divided by the number of months in the period. Revenue used to calculate ARPU is defined as the revenue associated with customers where Cbeyond provides network access and includes all Network, Voice and Data revenue and the portion of Managed Hosting and Cloud revenue where Cbeyond provides network access.
CBEYOND, INC. AND SUBSIDIARIES Reconciliation of Non-GAAP Financial Measure to GAAP Financial Measure (In thousands) (Unaudited)

Sep. 30 2011 Dec. 31 2011 Mar. 31 2012 Jun. 30 2012 Sep. 30 2012

Reconciliation of Free Cash Flow and Adjusted EBITDA to Net income (loss):

Free Cash Flow $ (396) $ 4,190 $ 8,138 $ 12,471 $ 7,691 Cash capital expenditures 19,273 18,369 14,836 14,765 17,516 Adjusted EBITDA $ 18,877 $ 22,559 $ 22,974 $ 27,236 $ 25,207 Depreciation and amortization (16,842) (19,095) (18,876) (18,370) (18,172) Non-cash share-based compensation (2,920) (3,598) (3,783) (2,939) (2,975) MaximumASP purchase accounting adjustments 418 162 — — — Transaction costs (47) — — — — Realignment costs — — (1,640) (284) — Interest income — — — — — Interest expense (136) (137) (127) (144) (138) Other income, net — 1 — — — Income (loss) before income taxes (650) (108) (1,452) 5,499 3,922

Income tax (expense) benefit (491) (4,918) 258 (2,805) (1,969) Net income (loss) $ (1,141) $ (5,026) $ (1,194) $ 2,694 $ 1,953

CBEYOND, INC. AND SUBSIDIARIES Reconciliation of Non-GAAP Financial Measure to GAAP Financial Measure (Dollars in thousands, except for ARPU) (Unaudited)

Sep. 30 2011 Dec. 31 2011 Mar. 31 2012 Jun. 30 2012 Sep. 30 2012

Calculation of ARPU:

Total revenue $ 122,529 $ 123,321 $ 123,843 $ 123,762 $ 121,491 Cloud only revenue (3,326) (3,186) (3,245) (3,367) (3,486) (A) Network access customer revenue $ 119,203 $ 120,135 $ 120,598 $ 120,395 $ 118,005

(B) Average network access customers 60,395 61,647 62,317 62,240 61,446 ARPU (A / B / 3) $ 658 $ 650 $ 645 $ 645 $ 640
CBEYOND, INC. AND SUBSIDIARIES Historical Revenue and ARPU Data (Dollars in thousands, except for ARPU) (Unaudited)


Mar. 31 2011 Jun. 30 2011 Sep. 30 2011 Dec. 31 2011 Revenues

Network, Voice and Data $ 114,386 $ 115,510 $ 117,061 $ 117,702 Managed Hosting and Cloud 4,592 5,084 5,468 5,619 Total Revenue $ 118,978 $ 120,594 $ 122,529 $ 123,321

ARPU

Previous $ 668 $ 660 $ 656 $ 646 Updated $ 669 $ 662 $ 658 $ 650

Mar. 31 2012 Jun. 30 2012 Sep. 30 2012
Revenues

Network, Voice and Data $ 118,087 $ 117,674 $ 115,164
Managed Hosting and Cloud 5,756 6,088 6,327
Total Revenue $ 123,843 $ 123,762 $ 121,491

ARPU

Previous $ 642 $ 641 N/A
Updated $ 645 $ 645 $ 640

Contact:

Investor Contact:
Cbeyond, Inc.
T.C. Robillard
Investor Relations
(678) 486-8023
tc.robillard@cbeyond.com

[…]

Military Payday Loans | Traffic Secrets

Military persons can use this loan to pay grocery payments, to full incomplete projects or to spend utility bills. Military personals can get military payday loans at a comparatively decrease rate and with favorable terms and conditions.

Right here are some suggestions to profit from military payday loans.

Th…

Like other individuals, active and ex military persons also want cash to meet their wants. There are varieties of military loans accessible. 1 of them is the payday loan.

Military persons can use this loan to spend grocery payments, to full incomplete projects or to spend utility bills. Military personals can get military payday loans at a comparatively decrease rate and with favorable terms and situations.

Right here are some suggestions to profit from military payday loans.

The proper time to apply for a military payday loan is when you feel that you are in temporary deficit of funds and you see that only a short term payday loan can help you overcome the issue.

Some scenarios when you uncover yourself in financial issue:

1. When you have to spend for an unexpected expenditure, which is not planned in your monthly spending budget.

2. When in the last days of month you have got several bills due and your salary is not enough to cover it.

3. In case of some medical emergency, which can not wait for your payday.

Right here are some details, which you really should know if you want to take advantage of a military payday loan.

You are certified to get a military payday loan even if you are retired. The only criteria is that you have to be at present employed for at least 3 months.

Prior to applying for a military payday loan you must be confirmed that your monthly earnings really should not be much less than $1000 and that you have a current checking account. Immediately after verification of a military pay day loan your requested quantity will be transferred into your present checking account and you will be noticed by email or by a telephone get in touch with.

Some points to know following you have been certified for a military payday loan:

Rate of interest varies from 20%-30% of the quantity borrowed. Always make a search on your own to get the military payday loan at comparatively reduce rate of interest. You can even use the internet to browse official internet sites of distinct companies supplying military payday loans. Following comparing the interest prices pick the one particular, which is offering you the lowest rate of interest.

To check out more, please go to: payday advance critique

success, visit

[…]

kate upton » Answers Archive » Military Payday Loans

Military persons can use this loan to spend grocery payments, to complete incomplete projects or to pay utility bills. Military personals can get military payday loans at a comparatively lower rate and with favorable terms and conditions.

Here are some suggestions to profit from military payday loans.

Th…

Like other men and women, active and ex military persons also want money to meet their wants. There are varieties of military loans readily available. One of them is the payday loan.

Military persons can use this loan to spend grocery payments, to complete incomplete projects or to spend utility bills. Military personals can get military payday loans at a comparatively lower rate and with favorable terms and circumstances.

Here are some suggestions to profit from military payday loans.

The appropriate time to apply for a military payday loan is when you feel that you are in temporary deficit of funds and you see that only a brief term payday loan can assist you overcome the issue.

Some scenarios when you find your self in economic difficulty:

1. When you have to spend for an unexpected expenditure, which is not planned in your monthly spending budget.

2. When in the last days of month you have got several bills due and your salary is not sufficient to cover it.

three. In case of some medical emergency, which cannot wait for your payday.

Right here are some facts, which you must know if you want to take advantage of a military payday loan.

You are qualified to get a military payday loan even if you are retired. The only criteria is that you have to be at present employed for at least 3 months.

Ahead of applying for a military payday loan you really should be confirmed that your monthly income ought to not be less than $1000 and that you have a present checking account. Following verification of a military pay day loan your requested amount will be transferred into your current checking account and you will be noticed by e-mail or by a telephone call.

Some points to know soon after you have been qualified for a military payday loan:

Rate of interest varies from 20%-30% of the amount borrowed. Usually make a search on your own to get the military payday loan at comparatively lower rate of interest. You can even use the internet to browse official web sites of different firms offering military payday loans. After comparing the interest rates select the one particular, which is providing you the lowest rate of interest.

For more, please go to: a guide to payday loan

[…]

How to Dodge the 7-Year Car Loan

The seven-year car loan is becoming more popular among consumers who buy new cars, according to a recent survey by Experian, one of the three major U.S. credit bureaus. The finding raises concerns because the longer the term, the more interest consumers will pay over the life of the loan.

Since a longer loan means a higher effective cost of the new car, you might expect consumers to shy away from them. But Experian’s data showed otherwise.

In the second quarter of this year, nearly 16 percent of new-car financing loans had repayment terms of 73 to 84 months, up from about 15 percent in the previous quarter. Meanwhile, the average repayment term for a new-car loan is 64 months, up from just 63 months in 2008.

A borrower who applies for a 5-year car loan for $25,000 at 4.50 percent APR will have monthly payments of $466 and pay $2,960 in total interest. A 7-year loan for the same amount at the same interest rate will have monthly payments of $348 and $4,232 in interest.

The monthly payments for a 7-year loan are lower, but they come at a cost of $1,272 in extra interest paid over the life of the loan.

As lenders start to lend again, after tightening underwriting standards following the financial crisis, dealerships are more likely to offer longer-term loans. If you are on the market for any car, here’s how you can prevent yourself from being lured by the 7-year loan:

Maximize your credit score.

When you apply for a car loan, your credit score is going to be used to determine the terms of your loan. With a higher credit score, you are more likely to get lower borrowing rates and better terms. It’s also a personal credential that gives you leverage when negotiating an agreement with the dealership.

Put down as much cash as possible.

Like any loan, paying with more cash will leave you with a smaller principal, and possibly lower rates. Since you’ll owe less from the beginning, you’ll be less inclined to take on a long-term loan. The financial benefits add up when you get a lower rate and you start off with a lower loan balance. Monthly payments are also more likely to be lower.

Set a maximum price for your car purchase.

A salesman’s aggressive mode of operation is no secret when it comes to selling cars, and that tenacity extends to financing options, too. Consumers who express concerns over their ability to afford a nicer model will cause car salesmen to push long-term car loans. They will use the lower monthly payments to convince you that it is possible to own the latest model without having to live on rice and beans for the next several years. By establishing a limit to your new car purchase, you close the doors on the possibility of larger financial burden.

Calculate the final costs of the loan.

Take the time to determine the total costs of loans with different repayment durations. The difference between these final costs will play a major role in dissuading you against the longer-term option. After all, if you perform your due diligence, you could end up saving thousands of dollars in the long run.

Simon Zhen is a columnist and staff writer for MyBankTracker.com. His columns cover all aspects of personal finance–with a particular emphasis on bank rates, products, and services.

[…]

Important Information Nike To Understand Payday Loans | Contacts …

Within a pinch for cash? Monthly bills to arrive more quickly than Nike 2012 you can spend them? You could be contemplating a cash advance to help you with the difficult times. Even though they can be a choice for you personally, you need to get the important points. These article will offer you tips on receiving the most from what pay day loans may offer.

Will not let the opportunity of obtaining cash swiftly prevent you from setting up a smart decision. Too many people approach pay day loans as an easy answer to deal with their bills and wind up in debt. You must consider your selection cautiously and ensure within your budget to pay back the loan.

There are many different businesses that offer payday cash loans. If you feel you should utilize this type of assistance, investigate the Nike 2012 organization prior to taking out of the loan. Ensure that other clients happen to be content. Doing a simple on the web lookup, and reading through testimonials of your loan provider.

Put together a listing of each personal debt you may have when acquiring a payday loan. This includes your healthcare charges, credit card bills, mortgage payments, and much more. With this particular listing, you are able to establish your monthly expenses. Do a comparison for your month-to-month cash flow. This should help you make certain you make the most efficient achievable choice for paying back your debt.

Instead of turning to a cash advance, consider organizing a lawn purchase. You may be Nike Pas Cher surprised by the money you attract from issues you will no longer use. When it is freezing exterior, promote some goods on Craigs list. Go through your attic space or home to see what other folks might get.

Some payday cash loans are referred to as title personal loans. They demand the person requesting the loan to utilize the headline for car as, security for your bank loan. This can be only a possibility if, the car features an obvious headline without liens linked. The label is organised by the loan company right up until, the borrowed funds is utterly paid back.

When looking for a payday loan, be sure that Nike 2012 the total amount you get is within the state allowed volume. Otherwise your cash advance is unlawful. In California state by way of example, no original payday advance may possibly go over $255. If you achieve an offer for $400, you realize you are working with an unlicensed lender.

Paying down a cash advance immediately is always the best way to go. Spending it well instantly is always a good thing to complete. Financing your loan by means of a number of extensions and paycheck periods allows the interest time to bloat the loan. This may swiftly set you back a few times the sum you obtained.

When thinking about a cash advance, though it may be attractive be certain not to borrow over you can afford to pay back. By way of example, if they enable you to borrow $1000 and place your car or truck as equity, but you only require $200, credit an excessive amount of can cause the decline of your automobile when you are Nike unable to reimburse the full loan.

There is practically nothing like the stress of being unable to spend monthly bills, specially if they are earlier because of. With any luck ,, this information has addressed the questions you have with regards to the possibilities that payday cash loans may offer, and also you are actually well prepared to determine regarding how to handle your monetary urgency.

Official Nike Air Outlet introduces all sorts of affordable Air Jordan Shoes straight away with Speedily Shipping and delivery, Safe Payment & Remarkable Customer Service.

[…]