Investing and Financing

Most of the businesses these days borrow money either in short terms or long terms basis. The majority of cash flow statements illustrate the increase and decrease of the earnings of the short term debt only. It does not report the total amount that either either borrowed or paid. On the other hand, when illustrating a long term debt, the total amount and the reimbursements of the long term debt must be indicated in the cash flow statement on a yearly basis. The figures on these cash flow statements are illustrated on gross not net figures.

Similar to businessmen, most of today's businesses must find a way to finance its acquisitions when the business' internal flow of cash is insufficient or is insufficient to provide financial support in order to for the business to grow. When we say financing, it usually means the funding of a business capital from debt and equity sources. And by borrowing money from financial institutions or banks, in order to loan money to the business, or by providing extra funds in the business. The tenure also includes the other side of the coin, meaning doing payments on the balance due and returning the principal to the owners. It also includes the monetary contributions by the company from the income to its owners.

In addition to that, another section of the statement of the monetary flow illustrates the ventures that the business has admitted during the annual report. New and additional ventures signify the growth of the production and distribution capacity of the business, as well as its improvements and improvements. Organizing long term assets or removing a key component of the business can create good or bad effects, depending on what is influencing the said actions.

Some companies will dispose some of its predetermined assets on a yearly basis upon reaching the limit of their usefulness because they will become more of a liability than an asset. These predetermined assets are either disposed or put on the market, or in most cases, traded for new predetermined assets. The assessment of the fixed assets or predetermined assets that is at the end of its usefulness is called the fixed assets' "salvage value". The profits of the fixed assets are accounted as a source of money in the "investing activities" segment of the statement of the business' monetary flow. The proceeds of these fixed assets are generally diminutive in quantity.

4 Ways to Target Mobile Micro-Moments and Boost Your Sales

The goal of every brand is to create a strong bond with customers whenever they need them. Keeping your brand visible before your potential customers during various micro-moments is crucial for your brand success.

Micro-moments refer to a short term of attention any potential customer uses on a mobile device in order to buy, search or watch something.

Mobile is no longer just a tendency and micro-moments are here to stay. Here are some effective ways to target mobile micro-moments and boost your sales:

1- Identify the Right Micro-Moments For Your Brand

As per Cassandra Wesch, Founder of the digital media agency, Upward Ecommerce, “Identifying opportunities to share relevant micro moments with your customer make it easier, faster, and more fun to connect with your brand”.

For a hotel owner, it would be great if the customers are able to check in immediately without having to wait in the queue.

From the customer point of view, the micro-moment happen when they are traveling and wanting to get into a hotel room without having to wait in line to check-in.

Well, you can do just that with the help of Starwood app. The customers are able to check-in right on the app.

As soon as the customers enter the hotel, the beacons recognize that the customer is there. Verification is done with the help of a fingerprint (if you’re on an iPhone), the app provides a room number, and then you simply hold your phone up to the entranceway and can go right into your room. That’s an amazing way for a brand to help the customers in a micro-moment.

2- Your Brand Should Be Seen Whenever the Potential Customer Needs You

As a brand, being present in all phases of consumer journey, not just when someone is ready to buy, is where the biggest opportunities exist. Google has defined four micro- moments that represent the full user needs.

I want to know moments – The consumer is exploring and researching but not yet in the purchase mindset. They are looking for useful information, education resources or an inspiration.

I want to go moments – Consumer is searching for a local business or considering buying a product at a local store.

I want to buy moments – The all important buy moments are when shoppers are ready to make a purchase and may need help determine what, how, or where to buy.

I want to do moments – These refer to moments when shoppers are looking for help getting something done or learning something new.

3- Mobile is the New Shopping Assistant – Your E-Store Must Understand This

Americans are shopping online, allocating their shopping budgets to browsing, expanding a regularly of five hours per week purchasing online.

The telecommunication company sprint discovered that one in four people who click on their mobile search ads actually end up being physically present in a sprint retail store.

As a business, you need to get your website mobile friendly and have an app that will help you to connect with your customers in real time.

It is essential to find out the different mobile search queries that the potential customers are using while locating your brand and further optimize your business presence in order to reap in more sales.

4- Deliver Relevant Messaging and Tap Into the Power of SMS Marketing

In this age of mobile connectivity, it is important to leverage the power of SMS marketing to improve your business visibility and increase sales.

8.6 Trillion text messages are sent every year on average and such messages are read within 5 seconds. This is a tremendous opportunity to explore where people are able to read your message within seconds of receiving it.

Tools like TextMagic are excellent in automating the SMS efficiency and reach. You can easily build one to one dialogue with your customer using dynamic inbound SMS messages.

While sending messages, it is recommended to follow the below tips:

Segment your audience and send the right message to the right customer.

Send messages that have time bound deals which are set of expire soon. This will drive instant actions.

Send triggered messages based on the action of the user. For example, if the customer has placed some items in the shopping cart and didn’t ordered them then you can send a triggered message with a special discount in order to persuade the customer to make an order.

Mobile is no longer in its teens. Your brand must understand the real power of mobile micro-moments and must ensure to be present at all times depending on the needs of the customer.

All About Online Banking

Banking today isn’t about standing in line anymore. Instead of waiting in line, go online, and discover the advantages of internet banking. Access your account 24 hours a day, 365 days a year. Do all of your banking from the comfort of your own home. In fact, the advantages are numerous:

  • Look at your financial statements anytime you want. The online transaction record is updated instantly, so when the bank knows you made the transaction, you know too.
  • Save precious time and money. Going to the bank often requires booking time off work, driving a considerable distance, and spending hours in line. Doing your banking from home will save you has money, and will help you avoid unneeded stress.
  • Reschedule your payments. If you need to skip a payment, or pay off your credit card early, a simple click of the mouse and the transaction will be complete.
  • Send yourself money. If you are in the business or habit of sending money internationally, or even between cities, you could save yourself considerable hassle by transferring your money electronically from the comfort of your chosen internet connection.
  • Borrow money when you need it. If you have a financial product such as a line of credit, you can borrow money from it over the internet. A simple click and you can place the money in your checking or savings account.
    The possibilities of using the internet to conduct financial transactions has greatly increased the flexibility of the modern internet user. Instead of spending your life waiting in line at a bank, go online, and save your time and money.

Sports Betting Systems – Increase Your Odds

No matter what type of gambling you like to engage in, common sense says that developing a system will increase your odds of gaining a return on your wager. This theory holds true for most people interested in sports betting; sticking to a certain set of practices will in the end help you realize gains over the long term, rather than losses.

Before we start talking about some sports betting systems, it is important to note that this logic is only partially true. In fact, a betting system can at best help you to reduce your losses over the long term while gambling on sports; the best possible realistic exit for any system is an even split of wins and losses over the long haul.

The reason for this comes down to the professionals, by which we mean the professionals who really DO make a huge profit month in and month out, through history, in sports betting. Those professionals, of course, are the bookmakers.

Using statistical analysis, bookmakers can always determine which betting systems are currently being used by bettors, and they always adjust the odds accordingly. They may make a home game split a poor value bet in order to compensate, or begin to adjust the lines. Whatever the measures, you can bet that the sports books have thought up ways to counter systems.

With that said, there are systems that can be used to increase your chances of profit over the long term in sports betting, but they really have to do with personal control and strategies when betting. The good thing about this approach is that you can use it on any given sport, so it applies universally. Let's take a look at some money wise ways to approach your sports betting strategy.

o Establish a bankroll: Before the beginning of the season, the playoffs, or whatever event you wish to wager on, you have to establish a bankroll. This bankroll will be based on the money you feel you can LOSE during the course of the betting season. Once you lose that money, it is very important that you stop betting or you will find yourself in a lot of trouble, very quickly.

o Do not chase bad bets. One of the biggest temptations for those engaging in sports betting is to try to make up money they lost while wagering on certain games. This is almost always a recipe for disaster. If you lose all your games on betting on weekend NFL games, do not try to make up for it with a bet on Monday night!

Those are the important foundations for any sports betting strategy, and they will help mitigate your losses on any losing season.

Now, let's take a look at some strategies to apply to your general sports betting endeavors.

o Research! In order to make a good bet (meaning, a bet that has the best chance of winning), you need to know all you can about the game in question. That means doing a lot of research. Know who is playing what position, their health and mental status, the record of the teams against each other, other records, even who the officials are. Good research is your most effective tool when it comes to placing a good bet.

o Watch out for tired teams! In a lot of sports, teams play back to back games. If they are playing a fresh team, this can factor into their ability to play. It does not always work, but most times a team playing its second game in two nights will have a reduced chance of winning.

o Betting series: This strategy really only applies to baseball betting, where teams may play three or more games against each other in a row. In these cases it is usually possible to predict which team will come out with the most wins in the series, and that's an easier call than game to game.

Of course, for all those strategies, you have to keep in mind that the bookmakers are just as aware of the factors as you are. They will adjust the odds accordingly, which is something else you have to be aware of.