Updated Articles and Resources

From Ada Lio, Former About.com Guide since 2008

How do you Calculate the Present Value of an Ordinary Annuity? Created: Wednesday, February 27, 2013 Updated: Monday, March 18, 2013
The present value of an ordinary annuity is one type of time value of money calculation. Here are three methods you can use to make this calculation.
Time Value of Money - An Overview of Discounted Cash Flow Analysis Created: Saturday, January 15, 2011 Updated: Friday, March 01, 2013
Time value of money is one of the core principles of small business finance and small business financing operations. Time value of money is the basis of discounted cash flow analysis when analyzing...
How do you Calculate the Present Value of an Annuity Due? Created: Thursday, February 28, 2013 Updated: Thursday, February 28, 2013
The present value of an annuity due is one type of time value of money calculation. Here are three methods you can use to make this calculation.
How to Do a Cash Budget for your Business Created: Wednesday, October 01, 2008 Updated: Thursday, February 28, 2013
Cash flow can be defined as the way money moves into and out of your business; it is the difference between just being able to open a business and being able to stay in business. Preparing a cash b...
What are Accounting Information Systems and what are the different types? Created: Tuesday, February 26, 2013 Updated: Wednesday, February 27, 2013
Business firms collect and process their financial data using accounting information systems.
Annuity, Ordinary Created: Sunday, January 16, 2011 Updated: Wednesday, February 27, 2013
definition of an ordinary annuity
What is the long-term debt to total capitalization ratio? How is it calculated? Created: Sunday, July 26, 2009 Updated: Saturday, February 23, 2013
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...
What is the Definition of Cost in a Business Firm? Created: Sunday, February 17, 2013 Updated: Sunday, February 17, 2013
There are many types of costs in a business firm including direct and indirect costs and product and period costs.
How to Start a New Business Created: Saturday, April 11, 2009 Updated: Monday, February 11, 2013
If you want to start a new business, there are steps you must take to get it off the ground.
Financing Your Business with Your Own Funds and the Help of Family and Friends Created: Monday, April 13, 2009 Updated: Monday, February 11, 2013
In order to secure financing for your small business, putting up money yourself comes first. You should analyze your personal wealth, including retirement accounts, home equity, life insurance, and...
Business Opportunities with the Most Profit Potential in 2012 Created: Tuesday, February 07, 2012 Updated: Thursday, February 07, 2013
Here are ten of the most profitable small businesses opportunities with lower initial investments to start in 2012.
Best Business Opportunities with the Most Profit Potential in 2013 Created: Thursday, January 31, 2013 Updated: Thursday, February 07, 2013
Here are ten of the most profitable small businesses opportunities with low initial investments to start in 2013.
Securitization Created: Thursday, January 31, 2013 Updated: Thursday, January 31, 2013
definition of securitization
Discount Bond Created: Thursday, January 31, 2013 Updated: Thursday, January 31, 2013
definition of discount bond
clientele effect Created: Thursday, January 31, 2013 Updated: Thursday, January 31, 2013
definition of clientele effect
Business risk Created: Thursday, January 31, 2013 Updated: Thursday, January 31, 2013
definition of business risk
Sources of Small Business Financing Created: Wednesday, May 02, 2012 Updated: Sunday, January 27, 2013
Here is a list of some of the sources for small business financing. The key for small businesses is finding a source of financing that fits your individual business and has a favorable interest rate.
How Does the new "Fiscal Cliff" Legislation Affect Small Business? Created: Wednesday, January 23, 2013 Updated: Wednesday, January 23, 2013
The fiscal cliff legislation has significant tax effects on small business.
The Fiscal Cliff and its Impact on Small Business Created: Monday, November 12, 2012 Updated: Wednesday, January 23, 2013
Unless the politicians in Washington, D.C. learn the meaning of the word "compromise," and learn it soon, they are going to be pushing the economy and the American people off the "fiscal cliff." Pr...
Bush Tax Cuts are Expiring - Would Passage Help Small Business? Created: Saturday, November 13, 2010 Updated: Wednesday, January 23, 2013
One of the most common reasons that politicians want to extend the Bush tax cuts is their feeling that extension of the Bush tax cuts will help small business. But will it? The Bush tax cuts are on...
Top Business Finance Blog Posts of 2013 Created: Saturday, January 12, 2013 Updated: Saturday, January 12, 2013
Here is a list of the top blog posts, based on readership, of 2012 from the About.com Business Finance site. They range from a popular list of some of the most popular businesses to start to a disc...
Most Profitable Industries for Startup Businesses in 2013 Created: Thursday, January 10, 2013 Updated: Thursday, January 10, 2013
Some industries are more profitable than others for start-up businesses. Check out these industries if you are thinking about starting up a business.
New Year's Resolutions for Small Business Financial Management for 2013 Created: Monday, December 31, 2012 Updated: Monday, December 31, 2012
Financial new year's resolutions that not every business owner may think about!
What is the Sustainable Growth for a Business? Created: Thursday, December 27, 2012 Updated: Monday, December 31, 2012
The sustainable growth rate is the maximum amount a small business can growth without needing new financing. Here is an explanation of the sustainable growth rate and how to calculate it.
Business Risk Ratios - How to Calculate Business Risk Created: Sunday, December 23, 2012 Updated: Sunday, December 23, 2012
All firms face business risk or the risk that sales will decline and income will decline along with sales. Here are some financial ratios that business owners can use to measure their business risk.
Bank Term Loans for Small Business Created: Tuesday, November 11, 2008 Updated: Sunday, December 23, 2012
Small businesses have always survived on the strength of bank loans. Here are the basics of small business financing with commercial loans. A bank term loan has a particular term (length of maturit...
What is Leverage? Created: Wednesday, October 31, 2012 Updated: Sunday, December 23, 2012
Business and financial risk refer to the amount of leverage a business firm employs. Operating leverage is the use of fixed assets to increase returns. Financial leverage is the use of debt financi...
Financial Leverage Created: Sunday, May 27, 2012 Updated: Sunday, December 23, 2012
definition of financial leverage
What is the Gearing Ratio, What Does it Mean, and How is it Calculated? Created: Tuesday, December 27, 2011 Updated: Sunday, December 23, 2012
The gearing ratio in finance, also just called "gearing," is a measure of financial and business risk in a company. It compares the amount of debt financing and equity financing in a business firm.
Large Banks Taking Risks Again Instead of Serving Small Businesses Created: Friday, January 01, 2010 Updated: Sunday, December 23, 2012
Instead of loaning money to small businesses and consumers, large banks are once again gambling with our money. They have repaid the TARP money and are investing in credit default swaps while refus...
What are the five categories of financial ratios and what does each measure? Created: Saturday, March 07, 2009 Updated: Sunday, December 23, 2012
There are five categories of financial ratios. Each measures a different financial aspect of the business firm.
How to do Cost-Volume-Profit Analysis - An Introduction Created: Friday, December 21, 2012 Updated: Friday, December 21, 2012
Cost-volume-profit analysis is one of the major tools of financial analysis. Financial managers use the contribution margin to do profit planning for the business firm. Here are some articles that ...

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