April/May 2012
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| Working capital management — Simple math, complex implications | |
 | Without a robust flow of dollars, even profitability itself may not keep a company in good standing. But many factors play into this essential goal, and one of them is working capital management. This article explains what it is and describes its components. It then looks at three common areas that most affect working capital — receivables, inventory and payables — and explains why working capital management should be part of a business’s overall strategic planning. A sidebar shows why having a surplus of cash is not effective working capital management, but actually a sign of operational inefficiency. Read More |
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| Abide by the fundamentals of retirement planning | |
 | The bumpy economy and volatile markets haven’t made saving for retirement any easier. But, it’s still important to keep saving for one’s golden years. And when doing so, everyone needs to abide by certain fundamentals. This article explains the importance of contributing to a retirement plan and having a cash reserve in order to avoid the drawbacks of withdrawing cash too early. It also notes that it’s important to monitor the plan to see that its allocation percentages remain in harmony with one’s current risk tolerance and financial objectives. Read More |
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| Moneylines: News briefs for businesses | |
 | In this issue, “Moneylines” explains why, ironically, an excess of cash is considered a major business threat in 2012. It also notes that the IRS has reported that a remarkably low number of companies have claimed the Small Business Health Care Tax Credit, and that, for businesses, tablets are making noticeable inroads into the PC market. Read More |
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| Practical Perspectives: Key financial issues for you and your family | |
 | Wary couple considers long-term disability policy. This issue’s “Practical Perspectives” discusses the case of Terry and Marissa, who were thinking about how they’d cope financially if one of them were disabled for a long period. Their advisor agreed with them that it’s a good idea for anyone whose biggest asset is their ability to earn income to consider long-term disability coverage, but noted that the biggest hurdle for Terry and Marissa would be cost. He suggested how they might lessen the cost and explained what to look for in a policy. Read More |
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This publication is distributed with the understanding that the author, publisher and distributor are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. ©2011 • TREam12 | |