Harvard Business

SEPTEMBER 16, 2014

In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application. And they are allowing new sources of capital such as peer-to-peer lending to replace traditional bank capital.

Small Business 71

Small Business Data Cash Flow Banking 71

Tom Spencer

MAY 25, 2019

There are a couple of reasons for this: Asset managers can see cash flow and earnings fluctuate wildly with markets. For alternative asset managers such as hedge funds, their cash flows may be cut by more than half as profits fall and they collect a smaller fee from their profit participation agreements.

Cash Flow 60

Cash Flow Management Metrics Benchmarking 60

MishTalk

MAY 14, 2014

A national survey released in March by the Southwestern University of Finance and Economics in Chengdu, China, found that households across the country had 66 percent of their assets in their homes, a figure that rises to 84 percent in Beijing. Did China''s Property Bubble Finally Burst?

Real Estate 76

Real Estate Banking Construction Cash Flow 76

MishTalk

DECEMBER 11, 2014

Energy production is extremely capital intense, and often accompanied by negative free cash flow. Since early 2010, energy producers have raised $550 billion of new bonds and loans as the Federal Reserve held borrowing costs near zero, according to Deutsche Bank AG. CJES), postponed financings this month as sentiment soured.

Energy 78

Energy Marketing Benchmarking Cash Flow 78

Tom Spencer

NOVEMBER 17, 2018

Many an economics and finance course later, I see that the layers of complexities to the 2008 financial crisis are innumerable. This is because the initial trigger for the crisis was reliance by major banks, particularly those in the United States, on mortgage backed securities as collateral. It all seemed so clear. trillion.

Financial 60

Financial Banking Balance Sheet Cash Flow 60

Harvard Business

JUNE 8, 2018

Since then, we interviewed several chief financial officers (CFOs) of leading technology companies and senior analysts of investment banks who follow technology companies. This notion, that risk is a desirable feature, can seem like sacrilege to anyone who’s taken an introductory finance course.

Financial 80

Financial Report Cash Flow Metrics 80

Harvard Business

NOVEMBER 23, 2016

To better understand businesses’ financial preparation for and management of disasters, my colleagues and I partnered with the Federal Reserve Bank of New York to survey firms in the New York area one year after Hurricane Sandy. Firms applied for credit to finance recovery. Challenge risk financing conventions.

Insurance 70

Insurance Insurance Small Business Finance 70

Martinka Consulting

OCTOBER 3, 2013

Pre-Great Recession - banks competed for business acquisition loans and I remember one client’s summary that had eight banks, eight approvals, seven banks using the SBA loan guarantee program (called SBA loans from now on) and my client took the non-SBA offer. Buyers, banks and especially sellers! Who benefits?

Cash Flow 40

Cash Flow Banking Finance Government 40

Seth Godin Blog

APRIL 4, 2023

If you buy a property for 20% down, with the bank financing the rest, and it goes up in value by just 10%, your profit is 50%. (I’ll But if conditions change, if fertilizer is hard to get, if there’s a glut–well, the bank still does fine, but the farmer can get wiped out. Debt is a financial miracle.

Cash Flow 45

Cash Flow Banking Finance Financial 45

Tom Spencer

MARCH 17, 2023

This idea has been echoed by some of the most influential figures in the business and finance world, including Professor Michael Porter, Michael Lewis, and Warren Buffett. Investment banks made huge profits along the way, and often knew that these securities were overvalued and going to fail.

Ethics 78

Ethics Financial Cash Flow Real Estate 78

BCG

DECEMBER 15, 2016

Yet that income stream is weakening, as low-risk investment yields dip toward 0% and central banks continue to drain the bond markets. Increasingly, managers find themselves in sometimes heated debate, pitted against their companies’ actuaries, product managers, risk and finance executives, and boards of directors.

Insurance 40

Insurance Insurance Cash Flow Management 40

Tom Spencer

FEBRUARY 28, 2021

discounted cash flow (DCF)) and to check if the M&A between two companies would result in an accretive or dilutive situation. The technical interviews were just like any investment banking interviews which involved a lot of finance, accounting, valuation, DCF, and M&A model questions.

Interviews 68

Interviews Case Interview Strategy Strategy 68

Harvard Business

SEPTEMBER 15, 2017

A comprehensive survey of financial executives concluded that “repurchases are made out of the residual cash flow after investment spending.” Fewer companies would go public, instead financing themselves by taking on more debt. The evidence suggests this view is more accurate. It takes no skill to simply spend money.

Cash Flow 72

Cash Flow Finance Government Study 72

MishTalk

JULY 11, 2014

The question stems from lengthy (256 page PDF) from the BIS Annual Report (Bank for International Settlements) that stated among other things " The only source of lasting prosperity is a stronger supply side. Never before have central banks tried to push so hard. It is essential to move away from debt as the main engine of growth. "

Balance Sheet 70

Balance Sheet Financial Banking Policies 70

Martinka Consulting

APRIL 26, 2019

Sixty percent of them delayed their exit by at least two years, as per a study by Sun Trust Bank. It’s not reckless money like it was 15 years ago but financing options abound, including for lower middle market and below sized deals. Cash flow is king (they don’t require full collateralization, but will take as much as they can).

Marketing 40

Marketing PricewaterhouseCoopers Cash Flow Banking 40

Martinka Consulting

JUNE 3, 2017

I like their line, “If you’re merely keeping the lights on, then you have a boss: the bank.” It’s faster, cheaper, and easier to finance. You trade your capital for immediate cash flow, i.e. you get a paycheck on payday just like everybody else. Be ready to add value–even to a successful business.

Cash Flow 40

Cash Flow Small Business System Finance 40

Harvard Business

AUGUST 3, 2018

In a follow up HBR article , we interviewed several chief financial officers (CFOs) of leading technology companies and senior analysts of investment banks and distilled seven key insights from those discussions. Based on these insights, we now propose a new blueprint for financial reporting of digital companies.

Financial 70

Financial Report Company Metrics 70

Asamby Consulting

FEBRUARY 1, 2023

Work with contractors To get over that initial cash-flow issue, it can make sense to rely on contractors instead of employees. Build some cash reserves If you intend to grow your service-based business by bringing on employees, you'll need some runway for that. It's chasing your own tail.

How To 52

How To Cash Flow Talent Training 52

Harvard Business

JULY 20, 2016

“It takes time to get a consistent cash flow going. Find an accountant who can help you set up your finances and make tax filing easier. With help from those professionals, she established an S Corporation , got an employer identification number from the IRS , opened a business bank account, and set up payroll with Gusto.

How To 70

How To Case Study Case Studies Case Interview 70

MishTalk

APRIL 1, 2015

Chicago finances are even worse than I thought which is saying quite a bit because I have written about the sorry state of Chicago finances on numerous occasion. Many of these uses of bond proceeds are not eligible for tax-exempt financing under the federal tax code." Who Is Kristi Culpepper? You should be.

Financial 28

Financial Engineering Finance Government 28

MishTalk

JUNE 26, 2015

BitGold just completed a financing for C$18 million, which included some top name institutional investors. After this financing, BitGold’s two main owners are the shareholders of GoldMoney and Roy Sebag, whose understanding of gold is as deep as anyone I have ever met.

Insurance 28

Insurance Insurance Balance Sheet Financial 28

MishTalk

AUGUST 7, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. With little or no bank lending growth, decelerating wage growth, and trend growth of real GDP per capita at 0% to negative implies the 3- and 5-year change rates of US M2+ will decelerate from 2-3% to 0-1% in the next 5-6 years as occurred during the early to late 00s in Japan.

Balance Sheet 72

Balance Sheet Marketing Real Estate Financial 72