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International Business Finance
Many firms are interested in investing and seeking finance from foreign sources and exporting goods and services to foreign countries. Overseas involvement of firms is increasing, and this trend is expected to continue. This has been stimulated by a variety of forces. First is the change in the international monetary system from a fairly predictable system of exchange to a flexible and volatile system of exchange. Second is, emergence of new institutions and markets, particularly the Eurocurrency markets, and a greater need for international financial intermediation.
Switching Credit Cards For A Better DealYou may think that a credit card is for life – but with the level of hot competition among credit card providers these days it has never been easier for people switching credit cards to get a better deal than the one they currently have!
Loans, Mortgages, Credit cards: Interest Rate Rises Around the CornerThe financial institutions are expecting interest rates to rise. When and what’s expected?
After the Patriot Act – How to Take Back Your PrivacyIs there still ways to protect your financial privacy from the government and others? Read on…
Business FinanceFinancial planning is the application of planning to various aspects of finance function. Basically, business finance involves the formulation of a financial plan that states the quantum of finance required, the pattern of financing and the policies to pursue for the administration of the financial plan. A business enterprise requires short-term and long-term capital. The total capital required by a concern is called capitalization. The short-term capital or the working capital is the capital required to meet the day-to-day obligations or the operating expenses. The long-term capital is required to acquire the fixed assets. Generally, on a conservative ground, a portion of the working capital is also met out of long-term capital.
Start Up Business FinanceFor executing a project, implementing a scheme, or for undertaking an operation, there is a general need for finances to start and endeavor and to further develop it. Finances are the roots of every business activity. Every business decision, whether it relates to production, personnel or marketing, will have a financial implication. The final criterion for the selection of any alternative course is its financial viability.
Cheap Car CoversFinding an economical car cover can be tricky. Especially when the market is glutted with car covers in different price ranges and qualities. To get a good value, research is indeed necessary. Instead of buying a product that seems to be very cheap, you need to ascertain whether it will fulfill all the requirements necessary to protect your car.
Small Business FinanceEvery organization regardless of its size and mission may be viewed as a financial entity. Management of an organization, particularly a business firm, is confronted with issues and decisions that have important financial implications. Questions must be answered like: • What kind of plant and machinery should the firm buy? • How should the firm raise finances? • How much should the firm invest in inventories? • What should the firm’s credit policy be? • How should the firm gauge and monitor its financial performance?
Commercial Equity Line Of CreditCommercial Equity Line of Credit, abbreviated as CELOC, is best suited to meet the industry’s changing financial needs. It is mainly used by small businesses, especially start-ups. A Commercial Equity Line of Credit requires a zero balance for a specific time annually. CELOC provides easy access to money when the borrower needs it. Using checks provided, the money can be easily accessed.
Certified Financial PlannersCertified financial planner is a title conveyed by the International Board of Standards and Practices for Certified Financial Planners. To become a certified financial planner, one must pass a series of exams and enroll in ongoing education classes. Knowledge of tax preparation, insurance, and investing is essential for certified financial planners.
Business Finance ConsultantantsBusiness finance consultants are the backbone of an organization. They help establish the both the long-term and short-term objectives of the firm that makes for effective utilization of the financial resources. They also help in formulating financial and business policies. Financial policies relate to procurement, administration and distribution of business funds. Business finance consultants also play a pivotal role in formulating procedures. Procedures are the specific order of doing things. They ensure consistency of actions. In financial procedures, the financial executives decide the control system, develop standards of performance and evaluate the performance.
Business ChecksBusiness checks are generally beneficial to people issuing more than 1000 checks a year. A business check is designed specifically for the needs of businesses. Normally when a business account is opened with a bank, a business checkbook with 100 checks is issued to the customer. An automated ordering system ensures that new check books are sent to the customer well before the old ones run out. Business check is basically a tool to counter check fraud. Check frauds are growing challenges facing business and financial institutions today, something the banks are increasingly getting aware about. Bank checks allow business owners and financial controllers to carefully reduce the potential for check fraud.
Business Finance SoftwareBusiness finance software is fast gaining popularity, especially in computerized financial planning systems. At the heart of a computerized financial planning system is a model that specifies the relationships relevant to the firm. A computerized financial planning system helps in preparing proforma financial statements, estimating the requirement of external funds, and calculating a variety of ratios. Such a system naturally offers a number of advantages. Once the model has been developed, the tedium of manual computations is eliminated with the help of business finance software. The circularity problem is easily tackled as the computer can quickly perform the required iterations. Finally, business finance software can be employed very conveniently to perform sensitivity analysis.