Friendly Finances & Loans

Cultural forces influence how well partnerships develop. Each company’s management style, whether autocratic or consensus based, may be a factor. Is the organization’s culture past oriented or future oriented? Is the corporate culture closed or open? Are organizational structures flexible or rigid? Are partners willing to collaborate on all critical issues? Later in the Explore [...]

Analyses that deal with the integration of high-yielding instruments in bond portfolios must take into account the market inefficiencies mentioned above. Otherwise, false conclusions cannot be ruled out. Because of the biased correlations between individual bonds, historical estimates of the volatility of high-yield indices are too low. Generally, this causes suboptimal portfolio weights that are [...]

Develop as accurate as possible a projection of the future operations in which the money is going to be used or the operation of the project, taking into account sales, costs and other relevant financial issues. Typically, the projection should be broken down for each year of the period of the investment. Quantify positive and [...]

Ensure that customer decisions improve profitability. Stepping back from routine decisions and considering how to derive greater value from existing customers and products may enhance profitability. Questions to consider include: How can customer loyalty (and repeat purchasing) be enhanced? How can the sales proposition be made more competitive? (Simply improving it may not be enough; [...]