Posts Tagged ‘revenue’

How to determine which credit company you should choose March 17th, 2010

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There are no hard and fast rules to determine which businesses VCs and banks will support in a traditional MBO. Investment fashions are subject to change, whilst each financial institution will have its own particular investment policy. However, as a generalisation, VCs will consider a business that has the following attributes:

A reasonable asking price arrived at through an acceptale valuation method.

  • High growth potential, supported by a professionally produced business plan and a trading record that supports the financial projections.
  • In a high tech sector, such as medical and related industries.
  • Acceptable CEO supported by suitably competent and entrepreneurial management that is prepared to invest some of its own money in the buy-out.
  • The ability to borrow against its own assets.
  • Feasible exit strategy, preferably through a flotation or a secondary sale, within five to seven years.

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Expand your business with web standards conformance. November 15th, 2009

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44Web standards allow you to increase the searchability of your financial sites. Google has been dubbed the greatest blind user out there on the web, because it (as well as other search engines) are particularly partial to indexing standards-compliant sites.

Break the “build, break, re-build” cycle. It is important to ensure forward compatibility of every website regardless if it concerns loans, real estate or money in general, with any new browser releases: your CSS-based financial site will be displayed accurately in future versions of today browsers. With table-based sites you never know what may happen. Along with the constant evolution of (standards compliant) browsers the performance of non-standards sites decreases. This phenomen is often described as “perpetual obsolescence”.

You can also save money by simplifying your design requirements. Compliant financial websites have an improved chance of rendering properly on all resolution and monitor sizes, while still maintaining design integrity that was originally intended for them.

Not only can you improve your income but also accquire some good publicity along the way. Creating an attractive, well-functioning and standards-compliant financial website is becoming the benchmark of good design and development of a successful company.

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Deal with credit-specific issues in the past November 11th, 2009

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The bonds of Ericsson, Tyco and ABB. All three companies had credit-specific issues in the past and seemed to have overcome those at the time of writing (December, 2003). Their lowest prices were quoted almost at the same time (October, 2002) where risk tolerance reached the lowest level in a decade (measured by VIX). The important point to illustrate is that nonsystematic risks induced the first price falls in all three companies at different points in time. Idiosyncratic risks were responsible for the first massive downward price movement. In this situation, an assessment of the credit should not be based only on credit fundamentals but every credit portfolio manager has to evaluate what volatility his portfolio can sustain because the main task for a high-yield portfolio manager is to manage risk. Technical factors have to be considered because it is likely that market liquidity for a troubled bond will disappear quickly which will result in a “free fall” in price.

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The webstandards way of dealing with finances online November 6th, 2009

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There are some advisable practices that allow you to obtain a more flexible and reasoned approach to developing a financial website. This approach to financial content is based on standards devised by organizations such as the World Wide Web Consortium (W3C). These involve various concepts (that deal not only with money, loans and real estate), yet they all share the crucial idea of proper separation of presentation of financial data from structured content and from the behavior level of the user interface. These three levels are all potentially interconnected to the backend software running your financial website when they should not be. Modern, W3C standards advise the implementation of the three levels as follows, encompassing structured content, presentation, and behavior:

Structured Financial Content should involve valid HTML or XHTML (Extensible HyperText Markup Language) in order to mark up your content and forms (for example loan application forms). Such markup needs to be semantically built and entirely devoid of any presentation or behavior data.

Presentation of financial data should involve the use of Cascading Style Sheets (CSS). Style sheets contain all necessary presentation information for all your financial websites and applications. This presentation layer should never be incorporated directly in your CMS or application logic with the exception of references to the files, classes, and IDs.

Behavior: usually JavaScript (aka ECMAScript). Modern JavaScript has the ability to be implemented in an unobtrusive manner, using only external files and the W3C Document Object Model (DOM) instead of any kind of proprietary code. Moreover, it never contains any references to presentation of financial data directly, but instead gets and sets classes which point back to the CSS. While connected with the CMS or application layers of your money management software, no JavaScript should ever be inline or intermingled with this code directly.

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