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Credit market entry and exit barriers

Filed Under : money tips,payday loans,personal finances,pricing policy,revenue,shareholders,shares by admin
Oct.20,2009

The ease and difficulty of both market entry and market exit are crucial factors in high-level strategic decision-making. Entry barriers include the need to compete with businesses that are enjoying economies of scale or that have established, differentiated products. Other barriers include capital requirements, access to distribution channels, factors such as technology or location, and regulations imposed by governments or
industry associations. When markets are difficult or costly to enter and easy and affordable to leave, firms can achieve high, stable returns while still being able to leave to pursue other opportunities. Consider where the barriers to entry lie for your market sector, how vulnerable you are to new entrants and whether it is possible to strengthen and entrench your market position.

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Credit variance analysis

Filed Under : merger,money guide,money issues,money management,money tips,payday loans,personal finances by admin
Oct.17,2009

However diligently a budget is prepared, things will not turn out as planned. There will be a variance between what was anticipated and what happened. Understanding the differences between actual and planned performance is known as variance analysis. It is useful to analyse such variances in order to understand why things are going better or worse than expected and act on the lessons learned.

The process starts by breaking down substantial variances into their component parts, identifying exactly where and why the variance occurred. For example, small variances in unit costs or unit prices will have substantial effects on the bottom line in a mass volume business. Key performance indicators (kpis) can be used to track and identify variances and areas where the firm’s performance is deviating from expectations.

Common causes of variances include inefficiency, such as poor cost control, poor or flawed planning (for example, relying on historically inaccurate information), poor communication and random factors. Variance analysis is something that every business should undertake but in a practical and pragmatic way that is cost-effective.

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Return on equity and credit

Filed Under : income,international markets,investment opportunities,investments,loans,loans guide,making money by admin
Oct.15,2009

Return on equity. One of the principal tests is how much money a business makes for its investors, who therefore pay considerable attention to it. It is calculated as net profit after tax divided by equity capital.

Ratios and suppliers Suppliers’ prices and performance can be monitored using ratios. Fluctuations in prices are measured by dividing a supplier’s current prices by its prices at a previous date. The time that suppliers take to deliver is calculated by dividing the value of outstanding orders with suppliers by the value of average daily purchases. An indication of a supplier’s reliability can be obtained by dividing the value of overdue orders from the supplier by the average daily purchases from all suppliers.

Ratios and employees

Productivity can be measured in a number of ways. Profit per employee is calculated by dividing profit by the number of employees. A more interesting ratio of value-added per employee is calculated by dividing sales minus materials costs by the average number of employees. Employment costs can be measured and monitored for a range of criteria. For example, training costs can be related to profit for budgeting purposes by dividing profit by training expenditure.

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Credit ratios and providers of capital

Filed Under : credit,credit cards,credit score,economy,finances,financial guide,get out of debt by admin
Oct.12,2009

Price/earnings (p/e) ratio. The price/earnings ratio is simply the share price divided by the earnings per share (eps). It is the one that investors
and analysts focus on and it forms part of the valuation of a company during acquisitions and disposals. The higher the ratio, the more the company is deemed to be worth, although there are several points to vote. p/e ratios vary across industry sectors and in different countries, and are relative to those of competitors. They rise when the share price rises – for example, when there is speculation about a merger or takeover. They can also lag behind events, combining current share price with past earnings. A p/e ratio may, for instance, be too high compared with likely future growth.

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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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Payday Loans

Filed Under : financial guide,investments,loans by admin
Jul.11,2009

I’ll be blunt on this one. Payday loans are a ridiculously bad idea! If you’ve used them, or are considering using them, you’re going to need to get out of that cycle right away. These loans, which can seem like a great way to make ends meet in a tight month, can often start someone down an irreversible cycle toward bankruptcy.

You cringe at the thought of a credit card that charges 25% to 35% interest, right? Yet, if you pay $50 to borrow $500 for 30 days, that’s an annual interest rate of over 120%. In fact, some payday loans are known to charge anywhere from 500% to 1,000% in annual interest!

To make matters worse, these loans that seemingly solve a problem for you in the current month, create a problem for you in the upcoming months. If you’ve borrowed money against a paycheck you haven’t received, that paycheck will actually leave you with less, and needing to borrowing again. With such high rates of interest and a continual cycle of borrowing against next month’s paycheck, an initial loan of $500 can grow to over $2,500 in debt in just 12 months!

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Retirement Plan Loans

Filed Under : business tips,credit score,financial guide by admin
Jul.6,2009

Over the last 20 years, 401(k) plans have become the primary form of retirement plan used by many Americans. In fact, the Investment Company Institute estimates that Americans now hold 4.5 trillion dollars in employer-sponsored retirement plans.

One of the features that makes these plans so attractive for many employees is the promise that they can borrow against their account balance should they need it. While the loan provision was put into the plan to help employees survive true emergencies, 401(k) loans are increasingly being taken to finance large purchases or pay off other debt.

Aside from the fact that a 401(k) loan freezes the growth on the portion of your 401(k)that you borrowed against, 401(k) loans can create a huge tax liability that forces many people further into debt. This occurs when an employee quits or is fired from his job prior to repaying his loan balance.

Whatever balance is still unpaid after a maximum of 30 days of leaving is included in the employee’s income, making it subject to income tax and a 10% penalty. This can easily equal 50% of the balance borrowed. Naturally, this often forces people to use credit cards or debt to pay off the IRS.

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A great investments example

Filed Under : business tips,credit score,financial guide,investments,loans by admin
Jul.3,2009

Michael and Susan have been saving for retirement for 10 years. They are also, like all the characters in this book, a composite from interviews
and people I have worked with during the past 21 years. Since Michael’s major promotion 10 years ago, they have invested about $50,000 a year.
Prior to that, they had less than $10,000 in investments. Now, stockbrokers, realtors, insurance salespeople, venture capitalists, hedge fund vendors, and other investment product peddlers have their number and routinely call them.

Michael and Susan have compiled investments worth $450,000 during the past 10 years: half in a 401(k) and half in an online brokerage account. Immediately, you might notice the math. If they have invested $50,000 a year for the past 10 years, achieving a zero total return on their money, they should have $500,000 in investments. You might do the math, but Michael and Susan have not. You would also think that Michael and Susan would be happy with the size of their nest egg. Sill in their mid-40s, they are in the top 1 percent of wealth in the world. But they are miserable.

Michael losses sleep over his investments regularly. Though he works 60 hours a week, he finds time several months a year to shift between $100,000 and $300,000 from one investment fad to another, believing he will increase his returns and then be happier with his portfolio. Among the other high-income employees where he works, this is routine practice. In fact, the main non-work-related topic among these employees is investing. Though not one of them has ever calculated their annual returns, they all constantly chase high returns and lose sleep worrying about the market.

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