Small Business Solutions

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By: Elie Nassour

About the Author:

financial analysis

Home sales contracts in 7-month rally

Realtors’ index rises 6.4% in August for 7th straight gain as tax break cut-off point boosts activity.

homebuyers signed more sales contracts in Aug than in any month this year, energized by the looming expiration of a homebuyers’ tax credit, according to an industry report released thursday. The Loan Consulants

The increase far exceeded economists’ expectancies — a panel of analysts surveyed by Briefing.com had looked for a 1% rise. outstanding home sales rose 3.2% in July. The Loan Consultants



Aug contract signings show up in October and Nov NAR statistics as existing home sales.

Thirty — stimulated sales of starter, and other, houses.

‘No doubt many first time purchasers are dashing to beat the cut off point for the $8,000 tax allowance, which expires at the end of next month,’ expounded Lawrence Yun, NAR’s chief financial consultant.

‘The rise in outstanding home sales shows buyers are returning to the market and signing contracts, but deals aren’t necessarily closing due to long delays related to short sales, and issues per complex new appraisal rules,’ he revealed.

Those issues also could also lead to some double counting of previous pending sales as buyers whose earlier deals slipped thru may return to the market and sign new contracts.

Still, the big gain in outstanding sales will surely transpose into some increase in closings, and the report added to a number of other positive recent indicators that housing markets are at least stabilizing, if not in major recovery.

Not all business and housing indicators have been pointing up. 1st jobless claims climbed this week, according to a work office report, after three weeks of declines.

Foreclosure filings are still well above ordinary and they threaten to go far higher as the provisions of many poisonous mortgages, for example interest-only loans and option ARMS, reset over the following six to 12 months and send the monthly home loan payments of homeowners soaring.

Another housing market query mark is the standing of the tax break for first-time house purchasers, with the industry fearing that home sales could drop sharply if it’s’s permitted to expire.

There are , however , many efforts in Congress to increase the credit and even to expand it to all home purchasers, not just first-timers. That might turbo-charge home sales if it is going thru.



By: Loan Consultants

About the Author:

tax planning

Trent Consultants News: Adults who use pet therapy while recovering from total joint-replacement surgery require 50 percent less pain medication than those who do not. These findings were presented at the 18th Annual Conference of the International Society of Anthrozoology and the First Human Animal Interaction Conference (HAI) in Kansas City, Mo.

“Evidence suggests that animal-assisted therapy (AAT) can have a positive effect on a patient’s psychosocial, emotional and physical well being,” said Julia Havey, RN, study presenter and senior systems analyst, Department of Medical Center Information Systems, Loyola University Health System (LUHS). “These data further support these benefits and build the case for expanding the use of pet therapy in recovery.”

Trent Consultants News: Animal lover Havey, and colleague Frances Vlasses, PhD, RN, NEA-BC, began raising puppies to become assistance dogs more than a decade ago through a program called Canine Companions for Independence (CCI). The non-profit organization provides highly trained assistance dogs to people with physical and developmental disabilities free of charge.

“As nurses, we are committed to improving the quality of life for others,” said Vlasses, associate professor & chair of Health Systems Management and Policy, Loyola University Chicago Marcella Niehoff School of Nursing. “This service experience has provided us with a unique way to combine our love for animals with care for people with special needs.

In addition to the financial obligations that go along with raising a puppy, Havey and Vlasses take the dogs to class and teach them house and public etiquette until they are old enough to enter a formal training program.

“You might see our four-legged friends around Loyola’s campus from time to time,” said Havey, RN, senior systems analyst, Department of Medical Center Information Systems, LUHS. “Part of our responsibility as volunteers is to acclimate these dogs to people. The Loyola community has so graciously supported this training and the use of service dogs on campus.”

When the dogs are approximately 15 months of age, Havey and Vlasses return them to CCI’s regional training center for six to nine months where they are trained to be one of four types of assistance dogs.

Service dogs are trained to assist with physical tasks and provide social support to their partners. These dogs learn 40 commands to enhance the independence of people with ailments ranging from spinal cord injuries to multiple sclerosis.

Facility dogs are trained to work with a professional in a visitation, education or health-care setting. They can perform more than 40 commands designed to motivate, rehabilitate or soothe clients with special needs.

Skilled companion dogs are trained to work with an adult or child with a disability under the guidance of a facilitator. Disabilities served include cerebral palsy, muscular dystrophy, autism and Down’s syndrome. A skilled companion also can serve as a social bridge to people who are not used to relating to a person with disabilities.

Hearing dogs are trained to recognize and alert partners to various sounds, such as a doorbell, alarm clock or smoke alarm. The average service life of each dog is eight years. After that time, the dog retires to live out its golden years as a pet.

Havey and Vlasses believe that animal-assisted therapy will ultimately become a standard of care for healing. The pair will continue to advocate for this therapeutic option through public speaking engagements and philanthropic work. Adapted from materials provided by Loyola University Health System.

Trent Consultants Dog Care and Training is all about helping pet owners enhance their relationships with their pets. Our professional pet-care services includes boarding, grooming, training, now available in Korea. When you’re at work, your dog can be playing and getting the attention he needs at Trent Consultants. Dogs that come for day care have opportunities to play throughout the day in one of our three fenced outdoor play areas with our doggie playgroups. You can visit us at www.trentconsultant.com. Email us info@trentconsultant.com.



By: trent Consultants Dog Korea

About the Author:

bookkeeping

Nov 24, 2009 – Cool Life Systems, a leading provider of SaaS business solutions, announces the launch of the new and improved Financial Consulting Group (FCG) website and membership management services and the CLS 3.0 Business Suite.  FCG is the largest organization of independently owned accounting, business valuation, and financial services firms in North America.

Cool Life Systems http://www.CoolLifeSystems.com is responsible for the revised look , feel and functionality of FCG’s http://www.gofcg.com new website as well the technology that runs behind the scenes which includes member and event management, marketing systems and the exclusive FCG member extranet. The new extranet system will offer FCG members a better way to request assistance on engagements, learn to use resources, and post questions and receive answers from other FCG members.  

“We are very excited about this new customer relationship. Financial Consulting Group is a terrific representation for Cool Life Systems. We understand the mindset of a financial services organization, their budget restrictions and their tight deadlines. We are extremely confident in our ability to help this FCG to continue to move forward. They are an organization with great growth and we look forward to our continuing relationship and our ability to service them,” commented David Cummings, CEO at Cool Life Systems.

For more information about this project or how Cool Life Systems can provide benefits to your professional services organization, please contact Cool Life Systems at 1-800-988-8850 or e-mail at sales@coollifesystems.com  

About Financial Consulting Group

Financial Consulting Group is the largest organization of independently owned accounting, business valuation, and financial services firms in North America. FCG members are experienced, credentialed, financial experts and leaders in the valuation profession. FCG members serve on the Business Valuation Committees of the AICPA and the ASA, participate in national business valuation conferences, serve as instructors, and write valuation books, articles, and newsletters.

About Cool Life Systems

Cool Life Systems provides a scalable and dynamic database which would include the aggregate of all data sources in an on-demand, enterprise solution for several industries utilizing SaaS technology. Implementation is customized to your company’s unique processes, philosophies and policies to connect people, systems, and technology, enables seamless integration of your CRM processes, your website, and all marketing efforts in one centralized location so you can effectively manage your customer base as well as the individual efforts of your staff.



By: Cool Life Systems

About the Author:

top 10 web hosts

Why You Need a Financial Consultant

Handling money responsibly is a major topic in the conversation of the economy today, and many individuals as well as businesses are mismanaging their resources. Even the auto industry in the U.S. is struggling with the management of money and avoiding bankruptcy, so the need for a financial consultant can be in both large or small scale. They provide advice to clients for a fee, usually with the creation and implementation of a plan that will help that client to efficiently manage their money. Some who offer this service provide advice for the reduction and management of debt while others provide advice for investing and creating assets.

Many organizations create lasting relationships with their consultants and work with that specialist for many years, trusting their opinion and using them to coach, guide, mentor and be a friend. Finding the right fit for a financial consultant can be a difficult undertaking because building this business relationship requires an assessment of a company’s needs that targets current obstacles while providing future benefits. A specialist that provides a plan based upon that company’s particular needs is valuable, and many times the commission becomes a factor for a consultant’s commitment, and not the desire to create a continuing relationship.

Matching yourself to a financial consultants weaknesses and strengths, their choice in what they offer as well as their specialty can take you through a lot of interviews, so be prepared to see several advisors before settling on someone who you will keep for the long haul. Do you due diligence and check references, any credentials that they claim to have and compare their fees with other financial consultants that offer the same products and services.

As the advisor speaks to you and answers your questions, ask yourself how you feel about that person. Do you respect what they say? Do you like they way they present themselves to you? Do you trust their opinion? These questions should be the very root of your decision to create business relationships with organizations. If the financial consultant you are meeting with approaches you like a used car salesperson, that is probably a sign that their techniques are not meant for you.

Determine what the focus is of a financial consultant is important as well. You want to be sure all of your needs can be assessed and the best plan for your goals can be created and built upon. What kinds of clients does the analyst specialize in? Does that sound like the focus you need for your specific goals? Be sure to do your research and ask questions.



By: Uma A Ilango

About the Author:

financial analysis

Maybe you have decided to take a big step and hire a financial consultant. Good move! However, there are various arrangements that financial planners use to be compensated. Understanding the choices can help you make a decision about the nature of their advice.

 

When interviewing a financial consultant one of your first questions should encompass their investing philosophy and techniques. Of course you want to feel comfortable with how they hope to approach the design of your portfolio. If you have a certain strategy in mind, you also want to be sure they are well versed in that area of investing.

 

Once you have this basic information you will want to move on to compensation. There are essentially three ways most financial consultants operate.

 

The first is through commissions that are paid to them when they purchase a financial product in your behalf. Obviously this is where you want to understand what their plan is for you and how often they are will be buying and selling investments. Also you want to know WHY they are motivated to purchase one product versus another. The commission structure can work fine, but it pays to be firmly in control of the strategy or have a specific product you want the planner to purchase.

 

The next method is to pay a flat fee. This could be for a one time consultation to set up a strategy for you or an ongoing series of fees if you would like maintenance of your portfolio.

 

The third way is a growing trend with financial planners. It involves paying a percentage of your portfolios assets. Thus, if you have a bigger portfolio you would pay more. This might work particularly well for you if you have a smaller portfolio and it is a really good advisor.

 

As you can see the way your financial planner is compensated can really make a difference in how you work together.

 

For more details: www.thepersonalbanker.com



By: Cheryl Marland

About the Author:

web design

Even though the best financial consultant you could ever hire stares back at you every day when you look in a mirror, for those of you absolutely unwilling to learn how to do-it-yourself, here are ten tips to help you find that one financial consultant out of every 1000 that actually is fairly impressive.

To help me formulate this list, I considered some of the absolutely useless investment strategies I had learned at the world’s leading investment firms as well as the ridiculous focus of some boutique firms I had spoken to when formulating the long tail investment strategies that constitute the curriculum of my SmartKnowledgeU™ campus.

About five years ago, as I was just starting to develop and test my investment strategies that I now use today, I interviewed with a smaller, boutique investment firm in the Bay area of San Francisco that has a stellar reputation in the mass media as being on the cutting edge of revolutionary investment strategies. I thought to myself, if anything can reveal how far the top investment firms have evolved in their strategies to incorporate a changing information landscape to identify better investment opportunities, it will be my interview with this firm. Needless to say, I was stunned by the fact that this firm’s strategies basically mirrored the same, old, strategies of every investment firm on Wall Street.

A top manager at this firm proceeded to ask me five key questions (key to him at least) that he strongly believed was important to making intelligent investment decisions. However, I felt that his questions were either irrelevant or too unfocused to be of any worth. I was astounded that this firm had managed to gather billions of assets from private individuals. After witnessing the incompetence of this top manager at a top investment firm in the United States, I was merely convinced that hundreds of thousands of people have been duped and bamboozled by very strong salesmen that are able to effect the appearance of investment experts but in reality, know close to nothing.

The only problem with this scenario is that since most people do not know the right questions to ask, they never learn that their trusted advisors know next to nothing. If investors don’t know the right questions to ask, investors can ask a hundred questions and still not receive any answers that will help him or her assess the level of that financial advisor’s competence. Ask better questions, receive better answers, and improve your returns three fold, four fold or even more.

So here are 10 questions to get you started:

(1)What is your strategy to select individual foreign stocks?

I’m not a fan of mutual funds. I know all about their hidden expenses besides the overt fees they charge, plus I don’t like the fact that a lot of foreign mutual funds take a beating whenever the masses have the slightest fear about a pullback in the markets. I think owning individual stocks is a much better strategy, especially in foreign markets.

(2)What strategies do you personally use to give me a good chance of earning 20% or higher without assuming great risk?

Look, I’m going to be honest. 6%, 7% even 10% a year doesn’t cut it for me.

(3)Where do you think will be the best performing markets for the next five years? What percent of my portfolio will you devote to these markets?

b>(4)This question is a follow-up question to (3). If the answer to question three was, for example China, Canada and Australia, then ask, How much of my portfolio should be in Chinese, Canadian & Australian stocks and why?

(5)If answer (4) does not make sense in response to answer (3), probe with more questions.

For example, if the answer your financial consultant tells you is 20% tops, then ask, If you tell me hands down that the best markets for the next five years will be in China,India and Australia, why are we only allocating 20% of my portfolio to these markets?

(6)What are the best asset classes to be invested in for the next five years and why?

I don’t want the standard diversification strategy applied to my portfolio that you apply to every other client here. I think it’s a terrible way to build wealth and don’t agree with it. Look at all the great individual investors that were able to build wealth by determining what assets were the best and then concentrating their investments in just a few asset classes.

Even if you tell me ,”Look at Warren Buffet who was a buy and hold buyer”, today we live in different investment times. The horse and buggy was the best way to get around at one time but not anymore. Investing has changed, and what worked in the past is not the best way to invest today.

(7)What effect will the global currency markets have on the best and safest places to invest this year and why?

(8)How are you using technology and the internet to improve portfolio performance for me?

What novel strategies do you use that leverage technology and increased accessibility to top-tier financial, economic, and political information to grant me the best chance of earning stellar returns?

(9)How will you safely invest in developing markets for me?

A lot of the best performing markets are emerging markets that also are prone to huge corrections. And remember I don’t like mutual funds and I don’t think mutual funds are safe either.

(10)Tell me 3 things that you do that no one else at your firm does in managing my money and why.

To understand what many of the answers of these questions should be, feel free to visit the Free Educational Resources at http://www.smartknowledgeu.com. If you receive intelligent answers to all the above questions, you may have just found yourself a winner.



By: J.S. Kim

About the Author:

small business tips

Every company’s financial statements tell a story about the value of the business. That’s why the financial statements are the starting point in any appraisal of a business (commonly referred to as a business valuation).

Here is what every business owner should understand about how their financial statements impact the value of their business:

- Income Statement Analysis

- Balance Sheet Analysis

- Ratio Analysis

Income Statement Analysis:

Earning power is one of the most important elements of the value of a business. The income statement develops this story.

The income statement matches total revenues and total expenses over a period of time, and it represents the best measure of management’s ability to utilize company resources in the production of a profit. A review of the company’s one-year operating figures compared to previous year’s results and results of other companies over the same periods takes on more meaning and helps evaluate the efficiency and consistency of management’s operation of the company. These variances and trends tell a story. The story may identify increasing, decreasing, stagnant, or erratic behavior related to pricing, expense control, or marketing ability to generate sufficient sales volume.

Once variances and trends are identified, the next question is “why?” The answer to this question tells the story about management’s ability to efficiently and consistently control operations and future earning power of the company. This then tells the story about the company’s long-range viability.

Balance Sheet Analysis:

The balance sheet provides a financial picture of a company at a given point in time. It represents resources in the form of assets, liabilities, and owners’ equity that the company has available to generate sales or revenues. Understanding each balance sheet account tells the story of the company’s financial condition and ability to generate cash flows or sustain future business downturns.

The balance sheet has three major categories: assets, liabilities and equity.

Assets represent the gross book value (i.e., historical cost, not fair market value) of a business and are analyzed in terms of quality and liquidity.

Liabilities represent claims against assets and are evaluated in terms of the expected repayment source or repayment requirements and their availability as sources of financing for the company.

Equity is the difference between asset book values and liabilities. Equity tells an important story. The more equity, the more likely it is that the owners of the company will work diligently to protect the equity and repay the liabilities.

Understanding each balance sheet account provides the story on the financial condition of the company.

Ratio Analysis:

After understanding the financial statements, the data from the financial statements is used to calculate financial ratios. Financial ratios are the most well-known and widely used of financial analysis tools. Ratios are used as a comparative tool to measure a company’s performance against other companies, industry standards, or other benchmarks of performance. Financial ratios tell the story about the riskiness and solvency of a company and how it compares to other businesses in the market.

Representing the major financial analysis concepts, ratios can be grouped into the five following areas:

- Liquidity

- Leverage

- Coverage

- Profitability

- Activity

Liquidity:

Liquidity is defined as a company’s ability to meet its current obligations when they come due. It tells the story of whether the company has any assets in excess of those required for its operating needs, which is a common issue in business valuation. Liquidity is critical to the success of the company: Sufficient liquidity 1) allows the company to meet its current obligations; 2) gives the company the flexibility to grow; 3) gives the company the ability to sustain operating losses. Ratios to determine liquidity are:

- Current Ratio

- Quick (Acid Test) Ratio

Leverage:

Leverage is the use of resources to a fixed cost. Operating leverage occurs when a company has fixed cost in its overall cost structure. Financial leverage is the use of borrowed capital in the expectation of being able to use those funds to produce a return greater than the interest cost. Typical ratios used to analyze leverage are:

- Total Debt to Total Assets

- Equity to Total Assets

- Long-Term Debt to Total Capital

- Equity to total Capital

- Fixed Assets to Equity

- Debt to Equity

Coverage:

Coverage ratios measure the extent to which certain current payment obligations are met or exceeded by a measure of the company’s cash flow. Coverage ratios are:

- Times Interest Earned

- Coverage of Fixed Charges

- Various Cash Flow Coverages

Profitability:

Profitability is a measure of a company’s success in achieving its objectives. It tells the story of a company’s ability to grow, remain solvent, and repay debt. Ratios to determine profitability are:

- Return on Equity

- Return on Investment

- Return on Total Assets

- Sales/Payroll Dollar

- Sales/Full-Time Equivalent Employee

Activity:

The story of how efficiently a company uses its assets can be measured by analyzing activity ratios. Common activity ratios are:

- Accounts Receivable Turnover

- Inventory Turnover

- Sales to Net Working Capital

- Sales to Fixed Assets and Total Assets

- Accounts Payable Turnover

The income statement, balance sheet and financial ratio analysis tell the story about the value of a business. What story do your financial statements tell?



By: Tom Wheelwright

About the Author:

small business resources

When deciding to buy a franchise opportunity, you will benefit from a franchise consultant’s expertise in the industry. MatchPoint operates the largest physical office of Franchise Consultants in the industry, where Franchise Consultants receive regular briefings from leading Franchisors around the world. Well informed Franchise Consultants are uniquely positioned to offer the best advice and value to individual franchise buyers.

With a variety of franchise opportunities available today, selecting the right franchise that meets your interests, goals and expectations is much easier today than it had been years ago. You are no longer bound to magazines, trade shows, or newspapers. Now franchise opportunities can easily be found online, but how do you choose the right one?

Entrepreneurs ask themselves this question to ensure that their investment is profitable. Therefore, just as you would use a real estate agent when you buy a house, or an investment broker to buy stocks, you can turn to a franchise consultant when you want to buy a franchise opportunity. Franchise consultants provide expert advice in the entire franchise selection process. Their service is at no cost to you and they help you save time and money as they have the expert knowledge and experience in the franchising field. They will introduce you to the best franchise opportunities, based on your interest, investment level, your entrepreneurial background and your financial goals.

It’s a fact that franchise opportunities ensure a higher rate of success over standalone businesses which is why the majority of entrepreneurs choose the path of franchising. A franchisor will provide you with a brand name, operational training and support, effective marketing programs and all best business practices. All of these ingredients differentiate the franchising from a brand new business.

There are hundreds of franchise opportunities to select from, ranging in different industries, level of investment and location. You can choose to find your most suitable match from franchise categories such as travel franchises, computer and internet franchises, retail franchises, restaurant franchises, financial service franchises, automotive franchises, healthcare franchises, business service franchises and so on.

Choosing the best franchise for you is matching you to a franchise that fits you in every aspect. This process can take anywhere from 30 to days, so another important factor to consider is timing. Going into the franchise business, you have to be aware that you commit to yourself and the franchisor. The mutual goal is success, however, you are the key driver to your business. Your determination, hard work and daily management of operations will be contributing factors to your future franchise profitability.

With so many franchises to choose from, it is highly recommended to seek the expertise of a franchise consultant such as MatchPoint. A consultant will provide you all the necessary knowledge that will help you make an informed decision about the franchise opportunity you have dreamed of. MatchPoint operates the largest physical office of Franchise Consultants in the industry, where Franchise Consultants receive regular briefings from leading Franchisors around the world. Well informed Franchise Consultants are uniquely positioned to offer the best advice and value to individual franchise buyers. Are you ready to buy your franchise opportunity? Take the leap Today with MatchPoint’s services to make your franchise dream come true!



By: Seo 5 Consulting

About the Author:

mediation

Having a financial plan makes your life easier and smoother than normal. Having a plan is very good and it can also be paired with analysis now and then. It will for sure do you good. These will help you in making decisions of any sort in all kinds of situations.

Changes and analysis

Change is something which everyone goes through. It is inevitable. Along with change come a few things that you will need to change yourself. Changes in financial plans does not mean that things area not working for you and that you are failure. It is necessary for plans also to evolve as time changes. Analysis is also needed. These together help you in not getting into any sort of problems and keep you on the right track.

Starting out

At the beginning of your financial program, you need analysis as well as planning your finances. You can do it yourself or even get a professional to help you with this if you are not very sure how to go about it. A few simple steps can be followed if you are sure about yourself being able to do it. The most important thing you need to do is categorize your life based on assets and expenditures. You can now come up with your net worth with the help of this. If you are on the other side of the line, make sure you take the right steps to get into the positive part. This is for a very simple analysis. Once you are done with this, you can go on to making better plans and also securing your future financially.

Financial analysis and planning in a nutshell

A secure path can be established of your financial life if you have been going in the wrong way. This can be done by simple analysis and planning of your finances. After you have analyzed on the financial situation of yours, then do come up with plans that argument your income. Cut down on certain expenditures that is not necessary. Come up with ways to clear your debts and hence improve your life. If you do not take such measures now, you will not be able to have a secure and a safe life and also enjoy it at the same time.



By: Abhishek Agarwal

About the Author:

financial analysis