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Marco Carbajo

Updated Articles and Resources

By Marco Carbajo

    Updated Articles and Resources
    • Best Asset Protection for Guarding Your Business Assets Created: Sunday, July 13, 2014 Updated: Wednesday, July 16, 2014
      What is the best asset protection strategy for guarding your company's assets? Discover one of the best ways to minimize company loss due to lawsuits.
    • A Business Line of Credit Comes With Greater Scrutiny: Can You Pass? Created: Wednesday, July 16, 2014 Updated: Wednesday, July 16, 2014
      Need a business line of credit or loan? Discover how to meet the new standards set by lenders when applying for a line of credit for your business.
    • Before You Take out a Bank Loan, Learn to Calculate Your Interest Rate Created: Tuesday, January 27, 2009 Updated: Monday, July 07, 2014
      Interest rates are the cost you pay to borrow money on a loan. It's important to know how to calculate interest rates on bank loans. This article shows you how to calculate interest rates using a variety of methods before you take out a bank loan.
    • The Glass-Steagall Act - History, Repeal, Possible Rebirth Created: Sunday, January 24, 2010 Updated: Monday, June 30, 2014
      The Glass-Steagall Act, or the Banking Act of 1933, was enacted during the Great Depression to separate the powers of commercial and investment banks. It kept banks from using depositors' money to ...
    • What are asset management ratios and how are they used? Created: Monday, July 13, 2009 Updated: Monday, June 30, 2014
      Asset management or asset utilization ratios tell a small business how efficiently it is utilizing its assets to generate sales. Inventory, receivables, fixed assets, and total assets are analyzed.
    • Get Your Employer Tax I.D. Number from the IRS Created: Tuesday, March 10, 2009 Updated: Friday, June 27, 2014
      If you are starting a small business, even a sole proprietorship, it is best to get an employer tax identification number.
    • Debit - What is a debit Created: Monday, August 31, 2009 Updated: Thursday, June 26, 2014
      debit - what is a debit. Business Finance.
    • What are Angel Investors? Created: Tuesday, October 21, 2008 Updated: Thursday, June 26, 2014
      Angel investors are wealthy individuals interested in investing in profitable companies and earning a return on their investment. They will help growing small businesses with second-tier equity fin...
    • Business Taxes: Sole Proprietorship Tax Forms for Filing and Paying Taxes Created: Wednesday, January 25, 2012 Updated: Wednesday, June 25, 2014
      Sole proprietorships pay taxes through the owner's individual taxes. Nevertheless, there are specific forms that they must use. Here is a list and instructions for these forms for filing and paying...
    • Cash Management is Important for Your Small Business Created: Tuesday, March 17, 2009 Updated: Wednesday, June 25, 2014
      Cash is king in small businesses. Without cash and liquidity management, small businesses will not survive one day. Financial ratio analysis is one tool of cash management."
    • 4 Ingredients that Influence Your Ability to Get Business Credit Created: Monday, June 23, 2014 Updated: Monday, June 23, 2014
      What factors impact your ability to get credit for your business? Learn the key ingredients that influence your ability to qualify for business credit.
    • Types of Profitability Ratios Created: Saturday, November 14, 2009 Updated: Monday, June 23, 2014
      Margin analysis and return analysis are the two types of profitability ratio analysis.
    • How to Calculate the Future Value of an Investment Created: Tuesday, October 16, 2012 Updated: Friday, June 20, 2014
      The future value of an investment is one type of time value of money calculation. Here are three methods you can use to make this calculation.
    • Demonstrating the Creditworthiness of your Business to a Bank Created: Monday, November 03, 2008 Updated: Friday, June 20, 2014
      The 5Cs of credit are a method of evaluation that a bank or other financial lender uses to determine if a business is a good candidate for a loan. Each of the 5Cs is discussed from the viewpoint of...
    • Annuity, Ordinary Created: Sunday, January 16, 2011 Updated: Friday, June 20, 2014
      An annuity in finance is a series of equal, consecutive payments from a financial instrument.
    • What is the long-term debt to total capitalization ratio? How is it calculated? Created: Sunday, July 26, 2009 Updated: Friday, June 20, 2014
      The long-term debt to total capitalization ratio is one of the debt ratios in financial ratio analysis that measures the extent of the firm's financing with debt. It measures the extent to which lo...
    • Areas of Accounting and Their Relationship to your Business Created: Friday, September 02, 2011 Updated: Friday, June 20, 2014
      Financial management of a business firm has two parts - finance and accounting. There are a number of areas of accounting that businesses usually have within their firm such as financial, manageria...
    • What is the fixed charge coverage ratio and how is it calculated? Created: Monday, July 27, 2009 Updated: Friday, June 20, 2014
      The fixed charge coverage ratio is an important debt ratio in financial ratio analysis, measuring the ability of a company to cover its fixed charges.
    • Budgeting - How to do a Financial Budget for a Small Business Created: Tuesday, November 27, 2012 Updated: Thursday, June 19, 2014
      When a business develops its strategic plan, it should also develop its operating and financial budgets. This is an overview of the financial budget and what it consist of."
    • Annuity Due Created: Sunday, January 16, 2011 Updated: Thursday, June 19, 2014
      annuity due definition. Business Finance.
    • Cash Management Through Good Financial Liquidity Practices Created: Friday, May 15, 2009 Updated: Thursday, June 19, 2014
      Small businesses can't survive without and practicing good cash management. These articles on cash management, working capital management, cash flow analysis, and other cash management techniques w...
    • Budgeting Created: Tuesday, September 13, 2011 Updated: Thursday, June 19, 2014
      Definition of budgeting. Business Finance.
    • Types of Capital Investment Projects Created: Friday, October 21, 2011 Updated: Thursday, June 19, 2014
      There are four major types of capital investment projects that are subject to capital budgeting decisions. Different types of financial analysis is appropriate depending on the type of capital inve...
    • What are Dividends Per Share and how are Dividends Per Share Calculated? Created: Saturday, March 05, 2011 Updated: Thursday, June 19, 2014
      Dividend per share is important information for investors as they analyze what types of stocks in which they want to invest. Dividends per share indicate whether the firm is a dividend-paying stock...
    • Discounted Payback Period as a Capital Budgeting Method Created: Thursday, September 29, 2011 Updated: Wednesday, June 18, 2014
      Discounted payback period is one of several capital budgeting methods that business owners use to choose between capital projects in their company. It is better than regular payback period because ...
    • Example of a Bookkeeping Entry When Selling on Credit Created: Thursday, September 16, 2010 Updated: Wednesday, June 18, 2014
      This is an example of how to handle a double-entry bookkeeping journal entry when selling a product or service on credit. This example is relevant to small businesses who offer credit to their cust...
    • Cash Budgeting and How to Use it Created: Sunday, January 11, 2009 Updated: Wednesday, June 18, 2014
      This is a profile of one type of budgeting - cash budgeting. Cash budgeting is a short-term form of cash flow analysis.
    • What are Asset Turnover Ratios, What do They Mean, and How are They Calculated? Created: Friday, February 11, 2011 Updated: Wednesday, June 18, 2014
      Asset turnover ratios, also called efficiency ratios, measure the efficiency with which a company's assets generate sales.
    • Financial Ethics Will Improve the Profitability of Your Small Business Created: Friday, July 03, 2009 Updated: Wednesday, June 18, 2014
      Small business that engages in ethical financial practices will be more profitable in the long run than small business that does not. Ethical financial practices extend to investors, customers, emp...
    • How to Prevent the IRS From Auditing Your Small Business Created: Tuesday, April 14, 2009 Updated: Wednesday, June 18, 2014
      Small businesses need to know how to prevent tax audits of their small businesses. Here are some steps you can take to prevent the IRS from picking your small business for a tax audit.
    • How to Correct Errors on Your Business Credit Reports Created: Wednesday, June 18, 2014 Updated: Wednesday, June 18, 2014
      Do you have errors on your business credit reports? Learn how to update and/or dispute incorrect information reporting on your company's profile with all three major business credit reporting agencies.
    • Budgeting - What is a Master Budget? Created: Monday, September 19, 2011 Updated: Wednesday, June 18, 2014
      Preparing a master budget every year as a step in the budgeting process is the best way to operate a business. The master budget includes the operating budget and the financial budget and all the a...

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