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 Working capital is a financial meter which depicts operating liquidity available to an organization, business or other entity, including governmental entity. Together with fixed assets such as equipment and plant, working capital is also considered a member of operating capital. Current assets equals to gross working capital. Mathematically, Working capital is expressed as; Working capital=current assets-current liabilities.  If current liabilities are greater than current assets,...
How come I always have very little left over to save despite the fact that I receive a considerably large monthly income? This may be the question going through your mind at the moment. Saving is a very important part of any person’s financial status and it determines to a great extent whether or not a person prospers financially. However, one of the strongest factors that affect savings is a person’s spending habit and patterns. This is why cutting household expenses is very...
It takes a lot of time to build a business and save the profits than it is to squander or lose it. In order to avoid the financial mistakes that could lead to one losing his/her money and slumbering into financial hardship and stress, it is important to start assessing sources of income, expenditures and managing cash flow. Below are a few common financial mistakes that can ruin or jeopardise ones financial source of income or security either in the long or short term. Having no plan...
Organizations can't succeed or even work efficiently if they have no clue how they form their budget. In modern companies, there is a multitude of ordinary expenses from business travel to the purchase of software and related expenses. Traditional manual systems of recording, tracking and allocating can leave financial teams struggling to assure the accuracy of data and supply senior management with accurate and up to date reports. It's crucial for the success of the entire enterprise to...
Buying a home is exciting. There are some common mistakes made by home buyers that prevent them from achieving this dream. The following 17 points can be dream killers. The process of getting a home is usually stressful. Being aware of these mistakes ahead of time you may not experience the much stress associated with the process. Affordability power Most dream home owners do not know how much they can afford for a home. Most people dream of very good homes but with very low purchase ability....
Unfortunately, not all the changes in our life are positive. Some may blow a big hole in his/her budget. To avoid these possible problems with money it is important to know what you should be prepared for.   A report from Bankrate.com showed that 6/10 Americans are not able to cover unexpected expenses. It was found that 69% of silent generation would use a credit card in such situation. In other cases, people would borrow money from family (11%) or reduce spending money on some other...
Education is a good investment for the future; this is due to the fact that the certificates and knowledge gained stay for a lifetime. Looking at education as an investment lies in the fact that the benefits in terms of money obtained afterward is greater than the cost throughout your educational life, this is shown by obtaining a successful career. You start planning how you will finance your education from the institute where you want to apply. Steps to follow to be Able to Finance Your...
Thousands of struggles, difficulties and impediments lie ahead of a business. Every day you need to cope with a myriad of chores, and every point needs equal attention to reap success. Arranging a business travel is a complex affair in itself accompanied by the hassles of visa arrangements and it’s challenging to save on corporate travel. Driven by factors like globalization of the world economy and favorable policy and regulations promulgated by the government, India has witnessed a...
A low rate of interest is the only factor that customers look for when finding a loan. Hence, financial institutions also compete with each other for offering attractive interest rates. You can avail loans under two categories – secured and unsecured. The interest rates of these are considerably different.    Unsecured or collateral-free loans don’t require the customer to pledge an asset with the lender. However, these loans come with considerably higher interest rates....


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