7 financial risks in business that could be worth millions
There are always risks in business, and there are many of them. Some cannot be influenced, for example, if the summer in the region turned out to be dry, agribusiness…

Continue reading →

Bank selection
Choosing a bank is one of the most responsible decisions. A lot can depend on the stability of a credit institution. Of course, it is quite difficult for an average…

Continue reading →

How the process of bankruptcy of enterprises occurs: methods of prevention
The term "bankruptcy" in Italian means "broken bench (table, counter)." In times of lack of financial literacy, it was customary to smash and destroy bankrupt offices. Since then, a lot…

...

State support for businessmen
When starting a business, the issue of financing is always acute. Common sources of funds are credit or loans. But there are additional opportunities to make your life easier: these…

Continue reading →

ability to adapt

Comfortable old age without FIU

Getting old is not scary, it’s scary to live in poverty. Are you ready to give up going to the cinema, having fun with friends in bars, designer clothes and other pleasant little things in life? It is rare to meet retirees in fashion boutiques, cafes or cinemas, and even abroad, in popular resorts.

In connection with the increase in the retirement age and the general financial destabilization, we need to think about the future today.

Start now or enjoy life? Continue reading

Bank selection

Choosing a bank is one of the most responsible decisions. A lot can depend on the stability of a credit institution. Of course, it is quite difficult for an average Russian to deal with professional financial indicators, but one must at least assess how long a bank has been operating in the market, how successfully it has functioned all this time, how large it is, many banks have ratings from international or Russian rating agencies. Bank ratings in terms of assets, loan and deposit portfolios, network of branches, quality of service are available on a number of Internet resources. Continue reading

How to calculate debt service payments

Debt service is the periodic (usually annual) payment of accrued interest and part of the principal amount of the debt. When applying for a loan, companies are required to disclose debt servicing data. Based on the amount of debt service payments and the amount of net income, investors calculate the debt service ratio, which is the percentage of net income that goes to repay the loan.

Method
one
Calculating Debt Service Payments Continue reading

What is net cash flow
Net cash flow is an economic indicator of the solvency and financial well-being of the organization. The result of the calculation gives management, creditors and investors a clear understanding of…

...

How to evaluate workflow improvements
In order for a business to remain competitive, its work processes (both production and financial) must be constantly improved. For this reason, there is a need to evaluate the results…

...

How the banking system works
We all, one way or another, interact with banks. Deposits, loans, bank cards, payment of utility bills: this is an integral part of the daily life of every person. But…

...