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Category : business competition

Estimates and analysis of loans

Filed Under : bonds,business,business competition,business objectives,business tips by admin
Feb.25,2010

3People from departments, branches, or any other unit can combine their estimates and analyze their group rating. Some may see themselves as being close to the future orientation end of the spectrum; others may see themselves at the opposite end. Assessing each department using a graph like the one in Exercise 11 should help identify prospective areas where readiness for partnering activities is evident—and indicate where more developmental activities are needed before the decision to create a partnership is made.

Articulating a vision that is consistent with the leadership’s actions and cultural readiness can motivate everyone to participate in its implementation. Goals such as sales targets, revenue growth, and market penetration are strategic directions that organizations should address in their mission statements. But without a vision to channel the ethereal energies of each participant, such goals alone are not compelling enough to break through to the creative zone.

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How can you deduce a loan from your taxes

Filed Under : bonds,business,business competition,business objectives,business tips by admin
Feb.3,2010

The costs of acquisition, enhancement and disposal of an asset can be deducted from the gain. Also, the cost of defending your right to ownership of the asset can be deducted, whilst the normal cost of repairs and maintenance and interest payments cannot. Special rules apply to the costs of ‘wasting assets’ (which are defined as assets which had a predictable life of less than 50 years when acquired).

Acquisition costs are defined as being costs wholly and exclusively incurred in acquiring the asset. Where the asset is business goodwill, any capital costs expressly incurred wholly and exclusively in creating the asset can be deducted. Enhancement costs are those costs wholly and exclusively incurred to enhance the asset as long as the costs are still reflected in the nature of the asset at the date of sale.

Incidental costs include costs of transfer or conveyance; and fees, commissions and remuneration for professional advice.

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Quick (or acid-test) credit ratio

Filed Under : business competition,business objectives,cash reserves,investment opportunities,loans guide,money guide,pricing policy by admin
Oct.10,2009

Quick (or acid-test) ratio. This is an assessment of a company’s liquidity,  showing how quickly a company’s assets can be turned into cash,  which is why it is known as the quick ratio or simply the acid ratio. The  most common expression of the quick ratio (although there are several  ways of deriving the same result) is to subtract inventory from current  assets, and then divide this by current liabilities. In general, the ratio  should be 1:1 or better, reflecting a healthy proportion of current assets  to current liabilities.

Stock turnover. This indicates how long cash is being tied up in stock.  It is calculated as the stock value divided by the average daily cost of sales. The quicker stock turns over the more efficiently cash is being  used.

Profit vulnerability. The vulnerability of profits to increasing costs can  be monitored by dividing fixed expenditure (for example, fixed overhead  costs such as premises or salaries) by total expenditure. This identifies  where costs are changing and which costs are causing fluctuations  in profitability over time.

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