There are numerous factors which impact on the performance and viability of your business. It is therefore imperative that you monitor and control your financial performance. Debt control and budgeting are two elements of this, and of particular importance is your business cash flow.
Many profitable businesses have gone under due to a lack of attention to their cash flow; they have insufficient cash available to pay their bills. Thus, you must plan and control your cash flow in order to effectively manage your business.
Some strategies that may assist in this include:
* Increasing the speed of cash receipts by good debt control strategies
* Avoiding excessive stock holdings by managing stock levels and obtaining reliable, prompt suppliers
* Planning the purchase of equipment and other capital expenditure for periods when surplus funds exist
* Planning to have sufficient reserves to carry your business through the inevitable periods when unexpected expenses are incurred
* Avoiding excessive investment in plant, equipment and other fixed assets which may leave too little working capital available (particularly in periods of falling prices, declining sales or increasing interest rates)
* Avoiding over borrowing as this may place a strain on working capital, loans still have to be repaid even if revenue is
Home loan is designed to help you acquire the dream home you wished to buy. Home Loan is finalized by individuals after considering the home loan interest. HDFC Home Loans or SBI Home Loans or any other home loan from any bank is taken for purchase or construction of a new house/flat, Purchase an existing (old) house/flat, Extension, repair, renovation or alteration of a house/flat or purchase a plot meant for construction of a dwelling unit. The Home loan interest differs from banks to banks also depends on factors like loan amount, tenure, type of home loan rates (fixed home loan rate or floating home loan rate) etc. Also to get HDFC Home Loans or SBI Home Loans or any other banks home loan there is certain eligibility criteria. Also there are factors like repayment capacity, age, educational qualification, stability and continuity of income, number of dependents, co-applicant income, assets, liabilities, saving habits and more.
With home loan rates taken into consideration lets compare two banks with regards to home loan, as SBI home loans and HDFC home loans.
SBI Home Loans come to you on the solid foundation of trust and transparency built in the tradition of State Bank of
Unless you are cash rich, you would look to leverage on a housing loan to purchase a home. Getting an approval for a housing is never a certainty. There are many situations where home buyers can have their applications rejected outright by the mortgage lender. When that happens, a lender may inform you of the reasons why your application had been declined or not even give you service call to inform you of their decision.
These are some common reasons that housing loan request are declined by the mortgage lender.
1) Being a guarantor for a relatives loan
One of the most common reason that terms your personal financial position as over leveraged is by signing as a guarantor for another individuals loan. There are many reasons for this to happen. It could be that you nephew needs a guarantor for an education loan, your spouse included you as a guarantor for an auto loan, your dad needed you as a guarantor for a recent investment property loan, etc.
At the point of signing on, it is normal to think that these circumstances will not affect you in any way. But it can have a great effect on your loan applications in future, including
If you are considering financing a semi truck or trailer, than you should know that now is the best time to buy. In today’s weak economy, start-up and seasoned businesses have a great opportunity to get a very good deal on off lease and repo semi trucks, big rigs and over the road trucks.
It can be rough trying to find a good financing company in today’s market for a truck semi trailer. The conventional ways of financing a truck, such as through a bank or dealer have subsided. Situations like this have caused many people to turn to secondary markets where repossession and off lease trucks and trailers are available for either a lease purchase or straight up cash buy. The good news is that ay secondary truck finance company will always have the trucks and trailers reconditioned.
The truck finance companies know that by fixing these trucks up they have a better chance to either re-lease them or sell them. However, if you happen to find yourself already in a lease purchase that you want to get out of, it can be tricky and scary. Although getting out of a lease agreement might hurt your financial situation and credit
Prime Services offered by a commercial bank include processing of payments by way of telegraphic transfer, issuing bank drafts and bank cheques, accepting money on term deposits, lending money through overdraft or through installment, providing letter of credit, safe keeping of documents, currency exchanges thereby enacting the role of a financial supermarket. The Commercial Bank lays more importance on loans that it provides to its customers. These loans are Secured Loans, Mortgage Loans & Unsecured Loans. A secured loan is one in which a borrower pledges some asset as collateral against the loan. A mortgage loan is granted to purchase property against security provided to the bank until the mortgage is paid of in full. The mortgage or loan can be repaid in easy installments. Unsecured loans are granted without any specific securities, under marketing packages like credit cards, debit cards, corporate bonds, etc. All in all a commercial bank raises funds by collecting deposits from businesses and consumers via checkable deposits, savings deposits, and time (or term) deposits & loans it to businesses and consumers. It also buys corporate bonds and government bonds. Its primary liabilities are deposits and primary assets are loans and bonds.
Commercial Banking in India categorizes
Chuck Hughes Scam, Fraud, Trading and Options
How do investors and traders cope with a market that has fallen more than 40% in just one year and survive until greener pastures return?
The Chuck Hughes Options program trades both call and put options. Put options allow you to profit as stocks decline in price and allow you to profit in bear markets
. According to Chuck Hughes trading more and more put option buying is migrating from your trading or play money account to your serious trading or investment account. Why not expand your investment horizons to profit during bear markets? The Chuck Hughes options trading program has produced a long history of actual trading profits during bear markets. This is not a Chuck Hughes fraud but a legitimate way to profit during down markets.
Chuck Hughes option trading includes call and put option purchases and option spreads. Call options are purchased on undervalued stocks in a price up trend and put options are purchased on stocks in a price down trend. Investors can log on to www.privatewg.com to obtain six years of profit results assuring investors that this is not a Chuck Hughes scam.
Chuck Hughes GPS, Review, Advisory and Inner Circle
CFA-LEVEL-II, CFA Level II Chartered Financial Analyst exam has been designed mainly for the individuals that may be working in BFSI, working in Investment/stock research firms, working in KPO, from premium B-schools, working for the field of information technology, Engineers/CSs/ICWAs/CFPs and others interest professionals that qualifies the minimum requirement of experience which is almost 2.5 years of time, it should be noted that all the three exam clearance take about four years in an average.
CFA-LEVEL-II, CFA Level II Chartered Financial Analyst exam validates the skills and knowledge of the candidates on the following main topics that are, Ethical and Professional Standards, Ethical and Professional Standards: Application, Quantitative Methods for Valuation, Economics for Valuation, Financial Reporting and Analysis: Inventories and Long-Lived Assets, Financial Reporting and Analysis: Financial Reporting and Analysis: Earnings Quality Issues and Financial Ratio Analysis, Corporate Finance, Financing and Control Issues, Equity Valuation: Valuation Concepts, Equity Valuation: Industry and Company Analysis in a Global Context, Equity Investments: Valuation Models, Alternative Investments, Fixed Income: Valuation Concepts, Fixed Income: Structured Securities, Derivative Investments: Forwards and Futures, Derivative and Portfolio Management: Capital Market Theory and the Portfolio Management Process.
The fifth topic of CFA-LEVEL-II, CFA Level II Chartered Financial Analyst is Provisioning GVP