All posts in Financial

Get Small Financial Help for Short Period of Time!

By blogger on

There are many such events in life when you are in need of some extra finances due to the fact that your income is much lesser than your expenses. Since the expenditures are soaring with every passing day, the monthly salaries are not able to suffice for the same. In case, you are also undergoing a similar situation and need some small cash for a short period of time, then there is no need to go through any hassles as the 12 month loans are available to help you out. These plans are available at varied rates of interest from different online lenders.

In order to select the most reasonable 12 month loans, it is important to conduct an intensive online research and hence comparison of free loan quotes for the same. This will help you select the most authentic and reliable online lender who will provide you with the required loan amount. These loans are available in two categories- secured and unsecured. If you wish to place any security, then you can easily opt for the secured loan plans and pay a lesser rate of interest for the same too. On the other hand, the people who do not have any assets to be placed as security can opt for the unsecured loan plans. The rate of interest charged for the same is a bit on the higher side due to the risk involved.

These loans are easily available on the web. Almost all products and services are available through the online mode due to the technological development that has taken place in the world. Most lenders maintain website and provide a simple and cost free application form which can be filled up with authentic information right away. After you meet the terms and conditions of the lender, you become eligible for the same and the approval follows soon. The applied money gets transferred to your bank account as soon as the loan is approved and now, you become capable of handling all your cash related problems without any hassle.

The lender leaves you free to use the money as per your discretion. So, if you need to pay the pending bills, or get your car repaired or even pay the pending school fees of your child, it can be done without any delay. These loans are completely hassling free as you are not required to fax unnecessary papers or go through credit verification process.

Introduction To Financial Modeling.

By blogger on

Financial modeling in Excel is one of the most versatile and powerful finance skills today. This skill is often a sought-after add-on to well-known financial designations such as CFA, CPA, CA, CMA and CGA. In a nutshell financial modeling is a process of building a multi-year forecast of a companys financial statements: income statement, balance sheet and statement of cash flows. The projected time period varies from one model to the next, the norm being 5 to 10 years.
Why is financial modeling so important? It is used in a variety of finance applications such as investment banking initial public offerings (IPO), secondary financings, mergers and acquisitions (M corporate banking; private equity; venture capital; equity research; corporate strategic planning and budgeting; and numerous other important applications. Below are just a few financial modeling application examples:

An investment banker builds a financial model of a mobile telephony software company that is going through an IPO process. The main outputs of the model will be metrics used in valuation: unlevered free cash flows (UFCF), earnings and net debt calculations. The financial model will be used in discounted cash flow (DCF) valuation. DCF, together with comparable trading and transactions valuation will be used in the companys ultimate valuation. The end goal of this modeling process will be to value the per-share offering price of the companys shares once they are listed on the stock exchange.

A credit-focused financial model is being built by the commercial lending unit of a major bank. This is a part of processing a large commercial loan application filed by a manufacturing company which is looking to expand its operations. The models emphasis is on the debt servicing ability of the company in question. The most important outputs that the commercial bankers will look at are debt to equity ratio, interest coverage and fixed charge coverage ratios.

An equity analyst builds a financial model of a company that his firm decided to initiate coverage on. The focus of the model is on DCF valuation and unlevered free cash flows generated by the company. Based on the models results the analyst will issue buy/sell/hold recommendations on the stock based on the relationship of his target stock price and the current market stock price.

A private equity firm is considering a 50% acquisition of an early stage pharmaceutical company that needs capital for sustaining its research and development (R&D) program. The private equity firm sees value and significant upside in this situation given the target firms pending patent applications. The purpose for building the financial model is to determine the price at which the private equity firm is willing to purchase the 50% stake, given the hurdle IRR (internal rate of return) rate of 35%.

A pulp and paper companys CFO prepares a detailed multi-year budget of the company. She uses Excel financial modeling techniques to achieve her goal. The model will contain a 5-year projection of the companys income statement, balance sheet and cash flow statement and help the company assess future financing, staffing and operational needs. The multi-year budget will be submitted to the company CEO for review.

The financial modeling process is as much an art as it is a science. Solid financial modeling training through seminars and courses is a must for people seeking careers in many finance areas. These skills are further honed and advanced through the real-life work experience of building financial models.

The financial modeling process begins with gathering information. The analyst must become intimately familiar with the company he models, its industry and competitive landscape, its plans and prospects, and the strength of the companys management. Crucial pieces of information are the companys past financial reports, management interviews, conference call transcripts, research analyst reports, and industry publications. It must be noted that this information gathering exercise is much more challenging when modeling a private company as opposed to a public company. Private company information can often only be obtained through direct access to the company insiders.

An typical Excel financial model will consist of the following parts:

Assumptions. These are the models inputs. Assumptions are based on the companys historical information as well as its future plans and current market trends.

Historical and projected financial statements income statement, balance sheet, cash flow statement. Projections are based on historical performance and model assumptions.

Supporting schedules including working capital schedule, capital expenditures (CAPEX) schedule, debt schedule, and tax schedule.

The models outputs depend on the primary purpose for building the model. In many cases modellers focus on earnings, unlevered free cash flows, capital structure and debt capacity.

Scenario and sensitivity analyses are often incorporated into the models, including scenario managers, data tables and charts.

Financial models often serve as foundation for more detailed further analysis such as valuation, M&A merger modelling (accretion/dilution analysis), LBO analysis and Monte Carlo simulations.

So what does it take to be a good financial modeller? Accounting and finance knowledge is compulsory. In-depth understanding of financial statements and relationships between line items of the income statement, balance sheet and the cash flow statement is an absolute must. Microsoft Excel proficiency is another prerequisite. A good modeller not only knows Excel functions, tools and formats, but also is quick and efficient in using Excels numerous keyboard shortcuts. Sometimes it takes years of Excel modeling to become truly proficient at this task.

Aoi Electronics Co., Ltd (6832) – Financial And Strategic Swot Analysis Review

By blogger on

April, 22, 2014 : Company Profiles and Conferences presents a Company Report on “AOI ELECTRONICS CO., LTD (6832) – Financial and Strategic SWOT Analysis Review”, provides you an in-depth strategic analysis of the companys businesses and operations. The profile has been compiled by to bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

Summary

AOI Electronics Co., Ltd (AOI) is an electronic component manufacturing company, based in Japan. It manufactures, distributes, and sales electronic products. The companys product portfolio includes integrated circuits, modules, optical sensor, nano tweezers, thick film thermal print heads, LED, thermal print heads, and resistor networks. Its modules include small and light optical modules, memory cards, and circuit substrates for portable MDs. AOIs thermal print heads are used in the central part of various image output equipment that create output, such as facsimile, receipts, prepaid cards, bar code, labels, IDcards, and ATM print-outs. Its nano tweezers are used in the removal of the foreign substances in the manufacturing process of semiconductors. AOI is headquartered in Takamatsu, Kagawa, Japan.

This company report forms part of GlobalDatas Profile on Demand service, covering over 50,000 of the worlds leading companies. Once purchased, GlobalDatas highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of AOI ELECTRONICS CO., LTD including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including,

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.
– Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Key benefits of buying this profile include,

You get detailed information about the company and its operations to identify potential customers and suppliers.
– The profile analyzes the companys business structure, operations, major products and services, prospects, locations and subsidiaries, key executives and their biographies and key competitors.

Understand and respond to your competitors business structure and strategies, and capitalize on their weaknesses. Stay up to date on the major developments affecting the company.
– The companys core strengths and weaknesses and areas of development or decline are analyzed and presented in the profile objectively. Recent developments in the company covered in the profile help you track important events.

Equip yourself with information that enables you to sharpen your strategies and transform your operations profitably.
– Opportunities that the company can explore and exploit are sized up and its growth potential assessed in the profile. Competitive and/or technological threats are highlighted.

Scout for potential investments and acquisition targets, with detailed insight into the companies strategic, financial and operational performance.
– Financial ratio presented for major public companies in the profile include the revenue trends, profitability, growth, margins and returns, liquidity and leverage, financial position and efficiency ratios.

Gain key insights into the company for academic or business research.
– Key elements such as SWOT analysis, corporate strategy and financial ratios and charts are incorporated in the profile to assist your academic or business research needs.

When Would my Montreal Financial Planner Sell my Investments

By blogger on

When would my financial planner sell my investments?

I have put together a series of personal financial planning FAQs that have been tested to help you find a financial advisor in Montreal that is suitable for your needs, qualified, and reputable.
After all, Montreal financial management experts are not all born equal, and you deserve the very best!
These FAQs are sure to help you in your personal financial planning, and if you retain at least 10% of what I wrote and it helps you make better financial management decisions, then my job is done!

This session deals with the subject of: When would my financial planner sell my investments?

This is a question that you absolutely need to ask your Montreal financial management expert. Why is that? Well just think about it, most of the financial planners in Montreal were completely unqualified to plan ahead for the recent market crash. People have lost fortunes and that could have been avoided with simple but solid financial management principles.
Qualified independent financial advisors understand that market corrections are common and normal, and they must plan for it and design a system that can preserve your capital.

This might sound incredibly obvious to you, but your financial advisor needs to sell before a market crash, not after. Yes, incredibly obvious indeed, but why is it ignored by the majority of financial advisors in Montreal?
An important financial management principle that so few Montreal independent financial advisors use, is to simply put a Stop Loss for every investment position taken to protect against large fluctuations in the markets. Selling happens automatically in such cases, and your capital is preserved. Simple, right?

Write this down: Its much less stressful to preserve your capital rather than try to make up the money you lost. Because, in the end, it is not what you make, but rather what you keep.
With the majority of Montreal independent financial advisors struggling to keep up with the ever changing information, youd better make sure he sells before its too late!

London Vacation Rentals A Financial Solution

By blogger on

London is one of the most influential cities in the world and an expensive place for vacation rentals. An official survey ranks London as the third most expensive city in the world. Yet, many visitors and tourists from all over the world continue to visit London for vacation rentals, every year. Vacation rentals are one way to visit London at a low cost. The most intriguing factor that tempts more and more people to visit the city of London is its glamorous culture, architecture, extensive cuisines, classic products, huge financial markets and above all, entertainment.

When you take a look at the hotel prices in London, you will certainly be shocked at how expensive things are in London. So, if you are planning to visit or stay in London, use vacation rentals in order to save a good amount of money. It works in a unique but easy way; you will have to contact a land lord who has an apartment available for lease. This apartment will be fully furnished and ready for your use.

Before you lease the apartment, you will have to tell the land lord your period of stay. It could be three days, one week, a month or longer. You will pay a lump sum amount that will cover your entire period of stay.

London vacation rentals offer various options to tourists like you. The apartments are available with one bed room, two bed rooms and even three bed rooms. That is not all what these vacation rentals have to offer, other than the modern and contemporary apartments, classic buildings and traditional properties are also available for rent. So, if you are interested in exploring the historic and colorful traditions of London, you can always go for these buildings. You can even find a five hundred year old castle to stay in.

Another advantage of the London vacation rentals is that they are located right in the center of the city. They are very close to some of the most visited tourist places, so that makes vacation rentals an ideal way to tour the city of London. While staying at a lodge or an apartment offered by vacation rentals, you will have the big shopping malls, museums, theaters and historical structures at walking distance. You will also have an opportunity to visit and enjoy some of the most renowned places in the world.

Lastly but most importantly, while making arrangements for a tour to London through vacation rentals; dont forget to include the transportation costs in the over all budget. You may have already calculated the flight and lodging charges but you will be certainly using a cab or public transport during your stay in London. While planning a vacation to London, you may come across some difficult decisions to make like choosing from among the various beautiful sights and places in one of the worlds most famous cities. The London vacation rentals will not only help you in choosing the most famous sights to visit but also make a complete vacation program. Once you have calculated the whole budget you are all set to start your trip.