Category: CASH – We help you get it®

Donor Advised Funds

Give Generously For Charity Purpose

How is your investment portfolio doing?  Do you have appreciated stock that you want to sell?  Do you have plans to give to charities? There are many ways to express your thanks through giving.  The tax code provides one vehicle you may want to consider – Donor Advised Funds and the gift of appreciated stock.… Read more »

How is your firm going to use its cash? – Part 2

Last week we began a discussion on an article by Dan Skelly, an Equity Strategist at Morgan Stanley, addressing whether businesses plan to return excess cash to shareholders or to invest cash in the business.[1] I raised two questions:  Do you have the access to capital to invest in growth?  And will your firm be… Read more »

How is your firm going to use its cash?

I recently read an article by Dan Skelly, an Equity Strategist at Morgan Stanley, addressing whether businesses plan to return excess cash to shareholders or to invest cash in the business. Skelly stated “With a stronger economy, management teams may have more confidence to spend on acquisitions, capacity or new projects.  The other key factor… Read more »

What is working capital & why does it matter?

Profit Spelled Out Using Scrabble Squares

Working capital is a term that financial folks toss around, but its meaning may not be clear to others.   Textbooks refer to working capital as the difference between current assets and current liabilities.  Current assets are those that will probably convert to cash within one year.  Current liabilities are those that will have to be… Read more »

Financial Information for Investors

I will be speaking later this month to a group of start-up entrepreneurs in northern Kentucky on the topic of “Financial Information for Investors.”  It seems only fitting to also share this material with those who read this blog. Investors want to understand your vision for the company and they want to see financial information… Read more »

Business Metrics-Cash Projections

There is no single business metric that is crucial to every business nor every industry. Most metrics are historical measures of ratios and relationships that the business deems critical to their success.  The metrics may be financial but more often are measurements of volume or utilization of employees.   In service industries metrics often focus on… Read more »

Need more CASH?

Know your Covenants Banks put covenants on customer accounts to prevent certain actions and to serve as an early warning mechanism in a firm’s financial status. Covenants can be financial or non- financial.  Non-financial covenants typically prohibit certain actions by the company such as paying dividends to owners while the loan is outstanding.  A clause… Read more »