#business finance glossary

[bucketorandomness]

Saving This for Future Reference

Second attempt, because apparently I have entirely Too Many Things that I want to keep track of. Here's today's list of potentially useful Things related to Real Life ((because that's important))

Self Care:

Food Tray for low energy days

Are You Hungry? Please check

New Skills for enrichment

Mantras to help when the brain is unhelpful

Reusable Checklist

Foodstuffs:

Cooking Basics

Baking With Hurting Hands

Cookbook by B Dylan, GDocs Fan Cookbook

"There's Nothing To Eat"

Egg Substitutes for baking

Apple Tea Recipe

How to Adult:

Adulting: A Masterpost ((Includes finances, lifestyle, and emergency information+))

Juggling Priorities

When "Easy" and "Possible" Don't Seem to Match

Health Insurance Glossary

Help! For things your parents didn't teach you

Cleaning Supplies That Shouldn't Mix

Unmasking Masculine Tasks

Vegetable Garden Guide

Staying Warm

Landlord Issues?

Junk Mail?

How to Social:

How to Host/Guest ((comes with Scripts))

Conversational Games

Interacting With Kids

When ordering out, ask the server for their suggestion

Quick Relationship Check

Encouragement:

WIP is still cool

When the Project seems Lackluster

Create Doesn't Mean Complete

Feeling Busy Without Achieving Anything ((Nice word. Might not always work))

Processing is a Process

Accommodating and Having Opinions

You Really Can Be Anything

The Future is Beautiful

If the Universe is Too Big and People are Too Angry

It Matters that you Try

Pressure or Rest?

Rough Day?

Made a Mistake?

From Conan the Barbarian

Info Dump:

Smithsonian Open Access

For Everything Plant

Bookstore Guide

Digital Bookstore

Digital Library

Not-Google Research Sites

How to Google ((Theoretically works on other search engines))

Sound effect storage

Dropout Streaming is better than Netflix

YT Shorts as YT Vids

Campfire Variations

Fancify your Fit

No Minifigs? No Problem

[gullybababook]

Gullybaba IGNOU BBA Help Books

Comprehensive Coverage: The IGNOU-mandated BBA curriculum is well covered in the Gullybaba IGNOU BBA Help Books. Every book is methodically organized to give students a comprehensive grasp of the fundamental ideas of marketing, finance, human resource management, and organizational behavior. 

User-Friendly Format: These reference books have an approachable structure that makes studying easier and are made with the needs of the learner in mind. Students may easily browse through the information with the help of clear layout, succinct explanations, and well-organized chapters, which promotes effective studying and comprehension.

Practical Examples: Gullybaba IGNOU BBA Help Books provide useful examples derived from actual situations to complement theoretical principles. These examples aid students in gaining a deeper comprehension of the subject matter and its applicability in the working world by showing how theoretical knowledge is applied in real-life business scenarios. Exam-Oriented Content: Exam-oriented information is the main focus of Gullybaba IGNOU BBA Help Books since they understand how important exams are to the academic path. To help students prepare for exams and boost their self-confidence, each book contains practice exercises, solved papers from prior years, and example questions.

Updated Material: To keep up with the ever-changing business landscape, Gullybaba makes sure that its IGNOU BBA Help Books are updated frequently to include the most recent advancements and industry trends. This dedication to staying current guarantees that students will have access to current, pertinent material that meets the changing needs of the corporate world.

Supplemental Resources: Gullybaba IGNOU BBA Help Books may contain extra materials like glossaries, summaries, and reference books in addition to the main text. These materials improve the educational process by giving students more tools and support to help them comprehend the material at hand.

Student Support: Gullybaba recognizes the value of student support and offers help to students via a variety of means. Gullybaba seeks to provide students with the assistance they need to succeed in their academic endeavors, whether that help takes the form of answering questions through customer care or providing guidance through online forums and study groups.

[autosguide]

Navigate the Automotive Landscape in UAE

Welcome to a comprehensive exploration of the automotive world through the lens of insightful blogs. In today's digital age, online platforms have become invaluable resources for car enthusiasts, buyers, and industry professionals alike. From dissecting the pros and cons of different vehicle types to offering guidance on financing and maintenance, these blogs cover a wide range of topics designed to inform and empower readers in their automotive endeavors.

Pros and Cons of Buying a Used Hybrid: Cruisin' Truckin' Insights delves into the realm of eco-friendly transportation with a thorough examination of the advantages and drawbacks of purchasing a used hybrid vehicle. Whether you're considering reducing your carbon footprint or simply seeking to save money at the pump, this blog provides valuable insights to aid in your decision-making process. Read more

Electric Dreams on Hold: The Shocking Price of EV Batteries: Used Cars Guide sheds light on the burgeoning electric vehicle market by uncovering the truth behind the cost of EV batteries. As the world transitions towards sustainable transportation, understanding the financial implications of EV ownership is essential, and this blog delivers eye-opening revelations on the subject. Read more

How Many Miles Are on Your Used Car? Nashwa UAE offers practical advice for used car buyers by addressing one of the most crucial factors: mileage. With a detailed exploration of how mileage impacts a vehicle's value and reliability, this blog equips readers with the knowledge needed to make informed purchasing decisions. Read more

AWD vs. 4WD: What's the Difference Between Them: Tijara Auto Market delves into the realm of off-road capability and traction control with an in-depth comparison of all-wheel drive (AWD) and four-wheel drive (4WD) systems. Whether you're navigating snowy streets or tackling rugged terrain, this blog clarifies the distinctions between these two drivetrain options. Read more

Finding the Best Value for Your Used Truck: Auto Head Bloggers Delight offers invaluable insights for truck enthusiasts seeking to maximize the value of their used vehicles. From tips on negotiating prices to advice on assessing a truck's condition, this blog serves as a comprehensive guide to securing the best deal on a pre-owned pickup. Read more

Guide to Car Wraps in the USA: Tijara Auto Marketing explores the world of vehicle customization with an in-depth guide to car wraps. Whether you're looking to refresh the appearance of your car or advertise your business on the go, this blog provides expert advice on everything you need to know about car wraps in the USA. Read more

Used Car Financing Guide: Glossary of Terms: Wheel Wonders offers a valuable resource for navigating the complexities of used car financing with a comprehensive glossary of terms. From APR to trade-in value, this blog equips readers with the knowledge needed to understand and negotiate financing options effectively. Read more

With these diverse blogs at your fingertips, you'll gain valuable insights into various aspects of the automotive industry, empowering you to make informed decisions and embark on your automotive journey with confidence.

[testbank-zone]

Test Bank For Financial Management Theory and Practice 17th Edition By Eugene F. Brigham

Test Bank For Financial Management Theory and Practice 17th Edition By Eugene F. Brigham

Table of Contents PART I: THE COMPANY AND ITS ENVIRONMENT. 1. An Overview of Financial Management and the Financial Environment. 2. Financial Statements, Cash Flow, and Taxes. 3. Analysis of Financial Statements. PART II: FIXED INCOME SECURITIES. 4. Time Value of Money. 5. Bonds, Bond Valuation, and Interest Rates. PART III: STOCKS AND OPTIONS. 6. Risk, Return, and the Capital Asset Pricing Model. 7. Corporate Valuation, Stock Valuation, and Stock Market Equilibrium. 8. Financial Options and Applications in Corporate Finance. PART IV: PROJECTS AND THEIR VALUATION. 9. The Cost of Capital. 10. The Basics of Capital Budgeting: Evaluating Cash Flows. 11. Cash Flow Estimation and Risk Analysis. PART V: CORPORATE VALUATION AND GOVERNANCE. 12. Financial Planning and Forecasting Financial Statements. 13. Corporate Valuation, Value-Based Management and Corporate Governance. PART VI: CASH DISTRIBUTIONS AND CAPITAL STRUCTURE. 14. Distributions to Shareholders: Dividends and Repurchases. 15. Capital Structure Decisions. PART VII: MANAGING GLOBAL OPERATIONS. 16. Working Capital Management. 17. Multinational Financial Management. PART VIII: TACTICAL FINANCING DECISIONS. 18. Public and Private Financing: Initial Offerings, Seasoned Offerings, and Investment Banks. 19. Lease Financing. 20. Hybrid Financing: Preferred Stock, Warrants, and Convertibles. PART IX: STRATEGIC FINANCE IN A DYNAMIC ENVIRONMENT. 21. Dynamic Capital Structures and Corporate Valuation. 22. Mergers and Corporate Control. 23. Enterprise Risk Management. 24. Bankruptcy, Reorganization, and Liquidation. PART X: SPECIAL TOPICS. 25. Portfolio Theory and Asset Pricing Models. 26. Real Options 1. APPENDIXES. APPENDIX A: Solutions to Self-Test Problems. APPENDIX B: Answers to End-of-Chapter Problems. APPENDIX C: Selected Equations. GLOSSARY AND INDEXES. Glossary. Name Index. Subject Index. WEB CHAPTERS: 27. Providing and Obtaining Credit. 28. Advanced Issues in Cash Management and Inventory Control. 29. Pension Plan Management. 30. Financial Management in Not-for-Profit Businesses. Read the full article

[kirkendauhl-v2]

I hate google so much. I forgot the word for the book of transactions a business is meant to keep and I tried all of these search terms : "Name of book for business finances" "name of book for business finances glossary" "Name of book for inventory management" "dictionary business book" with zero success. I finally gave up and looked up "Numbers Job Skyrim" and checked the objective which said to forge numbers in the ledger, which was the word I was forgetting.

[govindhtech]

5 Best Cloud FinOps tools for building a team

Today’s fast-paced business requires effective cloud cost management. Cloud FinOps teams are increasingly used to optimize cloud spend and investment value.

Building a successful cloud FinOps team requires planning and consideration. This blog post discusses five key factors for building a successful cloud FinOps team.

1. Write down your goals in a cloud FinOps charter

Setting goals and objectives is the first step to building a successful cloud FinOps team. Your team may struggle to align efforts and demonstrate value to the organization without a clear purpose. A cloud FinOps Charter helps here. A cloud FinOps Charter describes the team’s mission, goals, strategies, and duties.

Cloud FinOps Charters serve several purposes:

Guidance in uncertainty: It gives the team a roadmap to stay on track in uncertain situations.

Executive support: A well-documented charter can win executive support. The team’s mission is clear and aligned with the company’s goals.

Prioritization: It helps the team focus on the most important projects and initiatives that align with the goals.

Efficiency: A clear roadmap helps your team move faster and make informed decisions, saving time and effort.

2. Create a cloud FinOps lingo

FinOps, like any team, needs good communication. Create a FinOps lexicon or glossary to ensure team members speak the same language and avoid misunderstandings.

Why creating a cloud FinOps lexicon is helpful:?

Clarity: A shared lexicon ensures team understanding of terms and concepts. Clear communication is crucial when discussing complex financial and technical concepts.

Efficiency: A shared vocabulary improves team communication. This speeds decision-making and problem-solving.

Onboarding: A shared glossary helps new team members onboard. It speeds up domain knowledge and productivity.

Cross-functional collaboration: A common lexicon helps IT and finance teams collaborate. It simplifies financial and operational discussions.

To create a cloud FinOps lexicon, identify key terms and acronyms relevant to your organization and define them clearly and concisely, avoiding technical jargon. Give the team the lexicon and make it available. Team members should consistently use the lexicon in communications, documentation, and reporting. Sample cloud FinOps lexicons here and here.

3. Create a cloud FinOps culture

Developing a FinOps team requires more than just hiring skilled workers. It requires a culture change. This culture should value cost-consciousness, collaboration, and improvement.

Consider these when building a cloud FinOps culture:

Cross-functional collaboration: Encourage IT, finance, and operations teams to work together. Communication and cooperation are key to finding cost-saving opportunities.

Training and education: Team members and stakeholders should be trained and educated. Educate everyone on cost optimization and their role in it.

Develop a continuous improvement mindset. Incentivize team members to regularly optimize cloud resources and cost management. Use gamification to make it fun, award quarterly ‘Cost Champion’ awards to teams that improve cost-efficiency the most, and share in town halls to inspire others.

Democratizing cost visibility: Give cloud users some insight into their resource costs. This will promote financial accountability and responsibility throughout the company.

4.Establish a set of metrics and KPIs to gauge advancement

“What gets measured, gets managed.” This includes cloud FinOps. Your cloud FinOps team and cost optimisation efforts must be measured against a clear set of KPIs and success metrics to ensure financial accountability and value realization in your organisation. Start with observable cloud FinOps metrics and track unit economic metrics as your team matures. Limit your metrics to business-critical ones, set a feedback cadence, and iterate as you go.

Consider these metrics:

Cloud enablement: Lack of awareness and training prevents many organizations from adopting cloud FinOps. The number of business leaders trained or certified divided by the total number of cloud learners across the organization measures cloud enablement.

This will help business leaders understand how cloud can enable sustainable business outcomes.

Cloud allocation: The percentage of total cloud costs (taggable resources consumed by individual business units, shared resources, and non-taggable resources) allocated to responsible business owners. This metric supports Showback and Chargeback models and measures resource tagging and cost attribution to business units.

Continuous improvement: Savings from cloud optimization This metric helps organizations track inefficiencies and focus on cost savings to maximize the value of cloud computing. Total cloud services optimized divided by total cloud services optimizable is the ratio.

Forecast accuracy: Companies can better control cloud spend by measuring forecast accuracy and understanding what will happen if they plan. Actual cloud spends divided by annual forecast cloud spend measures forecast accuracy. A good forecast avoids surprises for executives and investors.

FinOps automation: This is measured by comparing the number of implemented automated recommendations to the total list of cost-saving automated recommendations. This is important because without strong actionable recommendations and monitoring, onboarding new workloads to the cloud can increase cloud waste.

Remember that your cloud FinOps team’s goals and your organization’s needs should guide metric selection. See cloud FinOps key metrics here.

5. Choose your tooling strategy carefully and review it often

Cloud FinOps requires the right tools. Cloud technology evolves, and new tools and services are introduced regularly. Therefore, you must carefully choose your tooling strategy and periodically reevaluate it.

Consider these factors when choosing and reevaluating cloud FinOps tools:

Scalability: Your tools should grow with your company and cloud usage patterns.

Integration: Find tools that work with your cloud infrastructure and other systems.

Cost and ROI: Some tools cost more as your cloud usage grows, while others are fixed. Assess tool costs and ROI before making a decision. Will they save you more than they cost?

Customization: Make sure your tool lets you customize and categorize reports and views to show organization-specific data.

Technology: A good tool uses the latest technology. Modern tools have AI/ML features that make work easier.

User-friendliness: Select tools that are easy to use and give your team actionable insights.

In conclusion, building a successful cloud FinOps team requires careful planning and a cost-conscious, continuous improvement culture. Remember that the cloud landscape changes, so cloud FinOps success requires agility and adaptability.

Read more on Govindhtech.com

[testbankprovidersell]

Test Bank For Public Finance and Public Policy Sixth Edition Jonathan Gruber

Table of Contents

PART I Introduction and Background 1       Why Study Public Finance? 2       Theoretical Tools of Public Finance 3       Empirical Tools of Public Finance 4       Budget Analysis and Deficit Financing PART II Externalities and Public Goods 5       Externalities: Problems and Solutions 6       Externalities in Action: Environmental and Health Externalities 7       Public Goods 8       Cost-Benefit Analysis 9       Political Economy 10     State and Local Government Expenditures 11     Education PART III Social Insurance and Redistribution 12     Social Insurance: The New Function of Government 13     Social Security 14     Unemployment Insurance, Disability Insurance, and Workers’ Compensation 15     Health Insurance I: Health Economics and Private Health Insurance 16     Health Insurance II: Medicare, Medicaid, and Health Care Reform 17     Income Distribution and Welfare Programs PART IV Taxation in Theory and Practice 18     Taxation: How It Works and What It Means 19     The Equity Implications of Taxation: Tax Incidence 20     Tax Inefficiencies and Their Implications for Optimal Taxation 21     Taxes on Labor Supply 22     Taxes on Savings 23     Taxes on Risk Taking and Wealth 24     Taxation of Business Income 25     Fundamental Tax Reform and Consumption Taxation Glossary G-1 References R-1 Index I-1 Read the full article

[the-nabiha]

7 DAYS MBA: Glossary of MBA Paperback – June 6, 2022 by ARIF IQBAL (Author)

7 Days MBA is a book that encapsulates the essence of an MBA degree in a short amount of time. MBA cannot be tagged primarily for business graduates, people from trade, commercial, finance, or marketing fields. This book's intended audience is non-MBAs who want to learn about marketing and its influence, the importance of communication, project management, people management, and how the e-commerce business is transforming our lives. Googlers, doctors, engineers, lawyers, computer professionals, entrepreneurs, political scientists, people managers, trainers, and media personnel. Furthermore, the goal of this book is to provide most people with the abilities they will need to advance in their careers and efficiently manage their professions in a given field.

Interested people check out the books link and Buy now

[delicatestudentanchor]

Demystifying HRMS Jargon: A Comprehensive Glossary for HR Professionals

HR professionals must comprehend the terminology used in the quickly evolving field of Human Resources Management Systems (HRMS) to effectively navigate it. As a client or a business owner, it is important for you to know these terminologies, as it leads to better communication. This blog is the ideal resource for HR professionals and business owners alike, deconstructing key HRMS glossary terminologies.

Foundational HRMS Terminology

Human Resource Management System

A human resource management system is a software solution that unifies all HR tasks into a centralised system and is also the foundation of current HR operations. It simplifies complex procedures like online payroll, performance management, onboarding, and recruitment.

Human Capital Management (HCM)

Maximising the value of an organisation's workforce is the main goal of HCM. It emphasises the strategic importance of human resources and covers personnel management from hiring to retirement.

Employee Self-Service and Manager Self-Service

Employees can handle HR-related tasks on their own. Employees can retrieve pay stubs or update personal information thanks to ESS. Manager self-service, or MSS, gives managers access to these features, enabling them to effectively manage team-related HR procedures.

Core HR

Core HR, the cornerstone of the HRMS, is responsible for managing important employee data, including contact details, job descriptions, and organisational structures. It serves as the cornerstone for numerousHR processes which is done byhrms payroll software.

Technology and Software

Cloud-Based HRMS

A cloud-hosted system is one that can be accessed from anywhere in the world if you have a good internet connection. With cloud-based HRMS, you may have seamless updates, scalability, and flexibility without requiring hardware on-site.

On-premises HRMS

 Businesses host on-premises HRMS locally on their servers, in contrast to cloud-based systems.  Although it offers more control over data, infrastructure maintenance becomes necessary.

Integration

The procedure for integrating HRMS with other corporate systems, such as finance or customer relations, in order to optimise procedures and synchronise data flow.

Mobile HRMS

Users can access HR tasks on smartphones or tablets with an HRMS that is mobile-friendly, which makes it easier to conduct HR operations while on the road and increases employee engagement like Attendance software.

Functional Components

Personnel Administration

It involves maintaining personnel data to guarantee correct and up-to-date records, including personal information, work titles, and organisational structures.

Time and Attendance

Monitors the work hours, attendance, and departure of employees. It guarantees compliance with labour rules and facilitates the processing of payroll.

Payroll Management

Oversees the calculation and distribution of tax withholdings, deductions, and employee salaries, making sure that payments are made on time and accurately.

Benefits Management

Oversees the administration of employee perks such as retirement programmes, health insurance, and other benefits. It ensures that the workers receive the benefits they are legally entitled to.

Performance Management

Include procedures for establishing objectives, carrying out assessments, and giving feedback in order to improve worker performance and growth.

Employee Lifecycle Terms

Onboarding

Onboarding is the process of integrating new employees into the organisation, including orientation, training, and socialisation.

Talent Acquisition

It involves all aspects of hiring and recruitment, from finding candidates to assisting with onboarding, with the goal of attracting and keeping top staff.

Succession Planning

Identifying and preparing staff members for leadership positions in the future will facilitate a seamless transfer of important responsibilities.

Offboarding

The procedure for handling a worker's departure from the company, which includes knowledge transfer and exit interviews,.

Conclusion

To sum up, HR professionals must become proficient in the HRMS glossary in order to effectively navigate the ever-changing field of human resource management. HR professionals may optimise HR procedures, make well-informed decisions, and contribute to the overall success of their organisations by being familiar with these essential terminologies. There are many different terms aside from the ones mentioned in this blog. Keep checking back for more information on new developments and trends in the HRMS industry.

If you are a business owner looking for HRMS software, you must check out Opportune HR. They are an award-winning HRMS software company in India. They are renowned for tailoring software according to the company's requirements. Their services include HRMS software, payroll software, HR experience, and SME HRMS. Visit their website to learn more about their services.

[theupdatesblog]

My Main Strategy

- Groww Portfolio

- Zerodha Portfolio

- Paytm Portfolio

### Groww Portfolio

Put stocks in here for tracking the worthiness of the stocks over the long term.

- You like it well

- Earning growth is consistent

- Huge earnings potential

- Small enough for hyper growth

- Unique business

### Zerodha Portfolio

Stocks which are out of favour from the markets.

Trading at historical lowest PE, but has good business growth.

- Big enough

- Unique Business

- Lowest PE

- Consistent Earnings Growth

### Paytm Portfolio

Micro cap companies with good potential.

- Unique Business

- Micro Cap

- Huge hyper growth potential.

## Sectoral KB

### NBFC

High CAR is desirable, Bajaj Finance had high CAR at critical juncture (GFC, Covid).

Customer breakup - high share of salaried or consistent income, high auto loans, high consumer durable.

Cost of fund is higher as compared to banks, hence need to lend in segments where interest margin is higher.

Turn around time for money is quite less, as raw material is money and final product is money. You the return from reinvested profits quickly.

RBI has made NPA norms stricter in recent years.

| Institution | Cost of Funds | NIM | Remarks |

| --- | --- | --- | --- |

| NBFC | around 7% | |Comparable to FD rates of the time |

| Banks | 3.5% | 4% |Comparable to repo rate of the time |

Banks don't unsecured loans, whereas for NBFCs they are ideal customers.

#### [[Bajaj Finance Ltd]]

For banks, ideal customer are

- Mortgages

- Auto Loans

- Personal Loans

### Banks

Book Value compounding is important than PE.

High Return on Equity is important too.

Good Management is important, since accounting in banking very arbitrary, one can show same npa in a very attractive way.

Counter Cyclical Lending

High CASA

## Screening Tools and Resources

- [[Screener.in]]

- [[Tickertape]]

- [[Tijori]]

- [[Moneycontrol]] [[Research]]

- Value picker Forum

- India's macro data

- Energy demand

- Oil Import demand

- (link::https://www.indiainvestments.wiki/)

## Investing Strategies

- Intraday trading

- Positional Trading

- HODL

- Securities Lending and Borrowing

- straddle strategy.

- short volatility.

- sell straddle

## Checklist for Shortlisting

(link::https://www.indiainvestments.wiki/stocks/due-diligence-checklist)

==Replace the below with above link==

- Outperform the NIfty 50

- Good Revenue/Sales Growth

- [[Company Fundamental's Glossary#ROCE|ROCE]] >15 | High ROCE

- Profit/Net-Income Growth > 10

- Profit Margin Growth

- Read about the company & sector

- Check the Chart of PE & EPS

- Debt levels

- Promotor Holding Increase

- Product mix is good

- Unique business model.

- Cashflow

- Growth Guidance.

## Unique Businesses

- Titan

- Mapmyindia

- **Elasticrun**, it seems, has managed to crack an elusive code—hyper-scale without upsetting incumbents. Which, in this case, are distributors of FMCG products.

- **Atomionics** - they into using quantum sensors to create the map of the earths crust, so that mining can be made green and more exact process.

- Infoedge

- EaseMyTrip

## Shorthands

### Rule of 72

Divide 72 with rate of return, the number you get is the no of year it takes to double your investment.

## Things that are everyone needs

1. Paints

2. Wires & Cables

3. Medicines

4. FMCG

5. Fashion

6. Fast Food

7. Laptops

8. Batteries

1. Electric Vehicles

2. Mobile

3. Electronics

## Advices

- Lowest PB Ratio

- Put a Keywords Alert on Google or other such sites to know when that particular stock is getting popular aka euphoria

- Boring is Beautiful

- Sit on Cash, if not finding ideas

- Be a Dumpster Diver

- Look at Sector that have tanked due to some problems.

- Small in size, Medium in experience, Large in aspiration and Extra-large in market potential - SMILE

- Look for companies that are going to manufacture laptops.

- Buy companies after a scandal or spooky regulation changes [[#^p1]] [[#^p2]] [[#^p3]]

- Pharmas, etc

- Buy companies that might go bankrupt but has huge moat or historical significance. [[#^p1]] [[#^p4]]

- Look for companies that have moat that is difficult to replicate.

- Stay invested during last and first week of year. Preferably stay invested all the time.

- Nifty Basis Charts for seeing the buying and selling pressures.

- Watch for Dairy Industry for coming decade.

- Bet on aspects that if stayed the same, will result in multi baggers. Look at past performance rather than future speculations.

- Like people, companies have character, which pays off in long term. Bet on that character staying the same.

- Sameness means the persistence of history.

![[Benner-Cycle.webp]]

## Cutouts




## Related

- [[Company Fundamental's Glossary]]

- [[Nifty Index Constituent's Perf Evaluation]]

- [[Interesting Sectors]]

- [[Good Stocks]]

[skills-course]

Career Principles – The Complete Finance & Valuation Course LINK DOWNLOAD: https://skillscourse.net/career-principles-the-complete-finance-valuation-course/?feed_id=1895&_unique_id=65421ee698fc3 Career Principles – The Complete Finance & Valuation Course Description of The Complete Finance & Valuation Course Master the fundamentals of finance, valuation, financial modeling, and much more. This course will teach you the basics of financial accounting, finance, and how to perform the three main valuation methods: Discounted Cash Flow, Comparable Companies, and Precedent Transactions – all on Excel. Throughout the course, you’ll learn the theory, followed by practical exercises in the form of case studies to replicate the type of work you may encounter as an intern or full-time working professional. Case studies range from forecasting a company’s financial statements, to creating full valuation models on real companies such as Apple or Adobe. What You’ll Learn In The Complete Finance & Valuation Course? Learn the core valuation methods This course walks you through the fundamental valuation techniques used at the top Fortune 500 institutions across the globe. Ranging from the comparable companies and precedent transactions analysis to a full built-from-scratch discounted cash flow analysis, there are valuable lessons for everyone! Learn using real-life finance scenarios The valuation exercises in this course are applied to real, publicly-traded companies. This gives students tangible end products that replicate real finance deliverables used to make insightful and thoughtful investment decisions. Use this course to gain demonstrable modeling experience that can elevate any resume or CV. Practical lessons applicable to real business & finance opportunities This course is specifically tailored for current or aspiring professionals in business, finance, or investment oriented roles. This includes investment bankers, financial analysts, management consultants, or business analysts among others. Course Curriculum Module 1: Course Introduction Course Introduction Excel Computer Settings Course Resource: Excel Shortcuts Course Resource: Excel Formulas Glossary Course Resource: Finance and Accounting Cheat Sheet Course Resource: Finance and Valuation Glossary Common Interview Questions in Finance Module 2: Financial Accounting The 3 Financial Statements The Income Statement Apple Income Statement Analysis The Cash Flow Statement Apple Cash Flow Statement Analysis The Balance Sheet Apple Balance Sheet Analysis Building a Cash Flow Statement Steps Case Study: Building a Cash Flow Statement from Scratch Financial Accounting Quiz Module 3: Financial Statement Analysis Introduction to Financial Ratios Profitability Ratios Profitability Ratios Exercise Liquidity Ratios Liquidity Ratios Exercise Activity Ratios Activity Ratios Exercise Leverage Ratios Leverage Ratios Exercise Finance Ratios Quiz Case Study: Analyzing Company and Industry Ratios Module 4: 3 Statement Model Excel Financial Modeling Best Practices 3 Statement Model Introduction Gathering the Relevant Data Setting up the Income Statement Filling in the Income Statement Setting up the Balance Sheet Filling in the Balance Sheet Income Statement Forecast Scenario Analysis Scenario Analysis Assumptions Income Statement Forecast Assumptions Building a Dynamic Model Balance Sheet Assumptions Filling in the Balance Sheet Fixed Assets Schedule Debt Schedule Retained Earnings Assumptions & Forecast Cash Flow Statement Final Edits & Summary Module 5: Discounted Cash Flow Valuation Discounted Cash Flow Introduction Time Value of Money Time Value of Money Quiz Free Cash Flow Enterprise Value & Equity Value Enterprise Value and Equity Value Quiz Weighted Average Cost of Capital (WACC) Pt 1

Weighted Average Cost of Capital (WACC) Pt 2 Optional: Advanced Beta Calculation Method WACC Quiz Discounting Cash Flows Treasury Stock Method & Implied Share Price Treasury Stock Method Quiz Terminal Value & Sensitivity Analysis Pt 1 Sensitivity Analysis Pt 2 Optional: Goal Seek Analysis Module 6: Complete DCF Valuation Exercise on Adobe Adobe Discounted Cash Flow Introduction Optional: Methods for Forecasting Revenue Revenue Scenario Assumptions Revenue Forecast Cost Assumptions & Forecast Fixed Assets Schedule Calculating Unlevered Free Cash Flow Cost of Debt (WACC Pt 1) Cost of Equity (WACC Pt 2) Implied Share Price (Growth Perpetuity Method) Implied Share Price (Exit Multiple Method) Sensitivity Analysis Module 7: Comparable Companies Valuation Comparable Companies Analysis Comparable Companies Analysis Quiz Gathering the Comparable Companies Financials Calculating an Implied Share Price Creating a Dynamic Comparable Companies Model Module 8: Precedent Transactions Valuation Precedent Transactions Analysis Precedent Transactions Quiz Precedent Transactions Exercise Module 9: Stock Pitch & Football Field Valuation Football Field What is a Stock Pitch Stock Pitch Presentation Next Steps More courses from the same author: Career Principles

[languagetranslationsblog]

when-to-translate-guide-assessing-your-language-translation-needs

The need for effective language communication and translation has become critical and imperative in today’s interconnected world. It is important for a business wanting to go international, for institutions that want to provide access to global audiences, and for individuals dealing with multicultural environments that require communication across boundaries of language. Nonetheless, you must first analyse your exact needs for translation to assist you in navigating critical points to make a decision on what to translate and when.

DEFINE YOUR PURPOSE

The first step in assessing your translation needs is to clearly define your purpose. Ask yourself why you need translation services. Do you want to expand your business into new markets? Do you want to make your academic research accessible to a wider audience? Are you an individual planning to travel or communicate with non-English speakers? Identifying your specific objectives will guide your translation efforts in the right direction.

KNOW YOUR TARGET AUDIENCE

Understanding your target audience is crucial for effective translation. Consider factors such as their language preferences, cultural backgrounds, and communication habits. Are you targeting a specific demographic of an audience, region, or industry? Tailoring your translations to resonate with your audience's preferences and values will enhance the impact of your message.

ASSESS CONTENT VOLUME AND FREQUENCY

Translation services can vary in cost depending on factors like language pairs, complexity, and turnaround time. Establishing a budget is essential to ensure that your translation needs align with your financial resources. Keep in mind that quality should not be compromised for cost savings, as accurate and culturally sensitive translations are essential for effective communication.

DETERMINE TRANSLATION METHODS

There are various methods and approaches to translation, each suited to different needs:

Human Translation: This method involves professional translators who understand the nuances of the source and target languages. It is ideal for complex and context-rich content like legal documents, marketing materials, scientific/medical/pharma content, literary or creative works or academic papers.

Machine Translation: Machine translation, powered by artificial intelligence, can be a cost-effective solution for large volumes of text which is not very critical - e.g. reviews, feedback for large brands, repetitive content, etc.. While it has improved significantly in recent years, it may still lack the context and cultural sensitivity required for certain content and a human check (by a subject matter expert if not a human translator) is always advisable.

Hybrid Translation: Combining human and machine translation can be a viable option. Human translators review and edit machine-generated translations, ensuring accuracy and cultural relevance while reducing costs.

Crowdsourcing: In some cases, crowdsourced translation may be suitable, especially for user-generated content or community-driven projects. However, controlling quality can be a challenge.

LEGAL AND REGULATORY REQUIREMENTS

Certain industries, such as healthcare, legal, and finance, may have specific legal and regulatory requirements regarding translations. Ensure that your translation efforts comply with these regulations, and consider seeking expert advice if necessary.

MAINTAIN CONSISTENCY

Consistency is key, especially for businesses and organisations with a strong brand identity. Create a style guide or glossary to maintain consistent terminology and tone across all translated content. This ensures that your message remains cohesive and recognizable to your audience.

CHOOSE THE RIGHT TRANSLATION PARTNER

Selecting the right translation service provider is crucial to achieving your goals. Consider factors like the provider's expertise in your industry, their portfolio of work, and the qualifications of their translators. Request references and samples of previous translations to assess their quality and reliability.

TEST AND REVIEW

Before finalising and implementing translations, conduct testing and review processes. This step helps identify any potential issues, inaccuracies, or misinterpretations in the translated content. It also allows for adjustments based on feedback from native speakers or subject matter experts.

CONTINUOUS IMPROVEMENT

Translation needs to evolve over time. Keep monitoring the effectiveness of your translations and gather feedback from your target audience. Stay updated on language trends, cultural shifts, and technology advancements that may impact your translation needs. Continuous improvement ensures that your communication remains relevant and impactful.

CONCLUSION

Effective translation is a powerful tool for connecting with diverse audiences, expanding your reach, and achieving your objectives. You can confidently navigate the translation world by assessing your specific translation needs, considering factors like purpose, target audience, content volume, and budget, and choosing the right translation methods and partners. You can entrust all your translation needs to Language Services Bureau (LSB) for effective translation and localization services. LSB has been listed as a translation agency by the Consulate General of Germany in Mumbai. Staying informed about certification requirements and processes is quintessential for a client looking for certified translations. Remember that accurate, culturally sensitive, and consistent translations are the keys to successful communication in our globalised world.

[gratejourney]

SUPPLY CHAIN TERMS AND GLOSSARY

Grate to Learn

#8 - Week 2 - Supply Chain Management: Be Global

SUPPLY CHAIN TERMS AND GLOSSARY

Hello everyone, today, I will bring you an interesting topic that I learned on Coursera: Supply Chain Management: Be Global by Dr. Mehrdokht Pournader from Macquarie University.

This series will last for 6 weeks corresponding to the content learned in the course. I will experience and write down what I learn through each subject bilingually. Hopefully, my sharing will help you, especially those interested in Supply Chain!

#8 - Week 2:

Download the CSCMP glossary: Here

Definitions of Supply Chain Management

The supply chain management (SCM) profession has continued to change and evolve to fit the needs of the growing global supply chain.  With the supply chain covering a broad range of disciplines, the definition of what is a supply chain can be unclear. Often times SCM can be confused with the term logistics management. CSCMP and the board of directors, comprised of industry experts, created official definitions for the following terms.

CSCMP’s Definition of Supply Chain Management

Supply chain management encompasses the planning and management of all activities involved in sourcing and procurement, conversion, and all logistics management activities. Importantly, it also includes coordination and collaboration with channel partners, which can be suppliers, intermediaries, third party service providers, and customers. In essence, supply chain management integrates supply and demand management within and across companies.

Supply Chain Management – Boundaries and Relationships

Supply chain management is an integrating function with primary responsibility for linking major business functions and business processes within and across companies into a cohesive and high-performing business model. It includes all of the logistics management activities noted above, as well as manufacturing operations, and it drives coordination of processes and activities with and across marketing, sales, product design, finance, and information technology.

CSCMP’s Definition of Logistics Management

Logistics management is that part of supply chain management that plans, implements, and controls the efficient, effective forward and reverse flow and storage of goods, services and related information between the point of origin and the point of consumption in order to meet customers' requirements.

Logistics Management – Boundaries and Relationships

Logistics management activities typically include inbound and outbound transportation management, fleet management, warehousing, materials handling, order fulfillment, logistics network design, inventory management, supply/demand planning, and management of third party logistics services providers. To varying degrees, the logistics function also includes sourcing and procurement, production planning and scheduling, packaging and assembly, and customer service. It is involved in all levels of planning and execution--strategic, operational and tactical. Logistics management is an integrating function, which coordinates and optimizes all logistics activities, as well as integrates logistics activities with other functions including marketing, sales manufacturing, finance, and information technology. (Vitasek, 2013).

Creating value in transportation and logistics

Resolve the asset dilemma. Our analysis suggests that the flexibility provided by financial leases rarely justifies the premium that asset-intensive companies pay for them, implying that many transport companies could outperform competitors by owning a larger part of their core fleet. A through-cycle procurement strategy is also required to overcome pro-cyclical asset purchases that create vicious cycles of capacity influx in times of lower demand. An understanding of the enormous efficiency gains in the newest equipment models helps avoid the “asset trap” (that is, sinking money into transport equipment or infrastructure that rapidly loses value and/or becomes obsolete). A shipping line has saved five percentage points on the costs of adding new asset capacity relative to competitors by consistently better timing its vessel purchases through the cycle for the last 15 years, thereby avoiding having to pay the substantial price premium that is charged during “order booms.” Also, the first movers into innovative asset-pooling concepts, starting with aircraft-engine pools, have been rewarded with higher capital efficiency.

Make your digital transformation a success story. Almost every company is facing the pressure of digitally enabled change from customers, new competitors, and shareholders. Turning a potential threat into an opportunity will require each company to define a digital strategy tailored to its own value drivers, and to make its transformation a success on its own terms. Instead of just “adding” digital outside of existing structures, corporations can create much more value from digitization if they build on their existing assets and strengths (product portfolio and product-development team, existing customer relationships, company assets, and business-building approaches). For most companies, this will mean defining and executing objectives that digitize their core processes, reinforce the IT foundations of their business model, and stake a claim along new frontiers. The latter could reach from digital auxiliary products to partnering with digital giants to develop completely new solutions.

What will the logistics marketplace look like in five to ten years?

Digital is still a challenge for the sector There is no other industry where so many industry experts ascribe a high importance to data and analytics in the next five years than transportation and logistics – 90% in T&L compared to an average of 83%.8 The sector has never had access to more data. There are vast opportunities here to improve performance and serve customers better, and LSPs who are part of a digitally integrated value chain can benefit from significantly improved forecasting to scale capacity up or down and plan routes. Adding machine learning and artificial intelligence techniques to data analytics can deliver truly dynamic routing.

What are the implications for logistics companies? Forwarding becomes more fragmented, as newly emerging ‘hub specialists’ begin to dominate specific legs of trade routes. In the contract logistics space, start-ups (including 4PL start-ups) complement and enhance the services provided by 3PLs, focusing on their most profitable customer segments. Operators in CEP (carriers, and courier / express / parcel (CEP) companies) have to compete with start-ups which may have a clear cost advantage if their people are independent contractors rather than employees. Transportation and logistics is among the top industries to replace labour with automation – but the time frames for implementation vary. Sortation and picking, for example, will be automated much quicker than last-mile delivery. Blockchain technology also fosters automation and efficiency through its trustless peer-to-peer network, thereby reducing delays, human error, and transaction costs for interactions between supply chain partners – for example, in the processing of international trade documents.

What are the implications for customers? Industrial customers benefit from advanced logistics services based on high-end technology, provided by collaborating incumbent 3PLs and startups. Retail customers enjoy greater choice of last-mile providers, and lower delivery costs as a result. At the same time, service offers based on the sharing economy might result in lower costs as well as lower service levels, though the idea is more likely to be accepted by B2C than B2B customers.  Consumers who participate in crowdsourcing solutions earn extra cash for trips they take anyway. They have a high flexibility in how they can contribute to platform-based logistics solutions – with opportunities from a temporary part time role all the way to a full-time job. Supply chains become more transparent, with blockchain-backed services offering easy authentication of shipments.

See you in next week

Grate To Learn,

[blockchainss]

Unlocking the World of Fintech: A Glossary for Beginners

The world of finance is undergoing a revolution, and at its core is fintech. Fintech, short for financial technology, is reshaping the financial services industry, and by 2024, it's projected to exceed a staggering $180 billion. With such monumental growth, it's no wonder that fintech has become a hot topic, drawing the curiosity of aspiring enthusiasts and professionals alike. Yet, for beginners, navigating the complex landscape of fintech can be a daunting task without a proper understanding of its key terms. That's where our comprehensive glossary of fintech terms and phrases comes into play.

1. Blockchain: Blockchain technology, expected to take center stage in 2023, is a decentralized, tamper-proof ledger system underpinning cryptocurrencies like Bitcoin. It ensures transparent and secure transactions.

2. Big Data: This term refers to the vast amount of data collected daily, which fintech leverages for analytics, risk assessment, and personalization.

3. Crowdfunding: The practice of funding projects or ventures by raising small amounts of money from a large number of people, typically via online platforms.

4. Data Management Platform: A centralized hub that collects, organizes, and analyzes data to inform business decisions and marketing strategies.

5. Deep Learning: A subset of artificial intelligence, deep learning involves neural networks that mimic the human brain's learning process, enabling tasks like fraud detection and customer support chatbots.

6. Fintech Sandboxes: These are testing environments where new fintech products and business models are trialed in real-world scenarios before widespread deployment, ensuring they meet regulatory standards.

7. Green Finance: Financial services and investments aimed at supporting environmentally sustainable projects and initiatives.

8. Digital Identity: A secure and verifiable representation of an individual or entity online, crucial for user authentication and security.

 Read More About : - iot certification course online

Basic Fintech Jargon

To gain a solid foothold in fintech, it's crucial to grasp fundamental terms such as:

ICO (Initial Coin Offering): A fundraising method involving the sale of new cryptocurrencies or tokens to investors, frequently used by startups.

KYC (Know Your Customer): A verification process used to authenticate the identity of clients, thwarting fraud, money laundering, and other illicit activities.

Multi-factor Authentication: A security layer necessitating users to provide multiple forms of identification before gaining access, bolstering account security.

Non-fungible Token (NFT): A unique digital asset representing ownership of a specific item or content, widely used in art and collectibles.

Peer-to-Peer Transactions: Direct exchanges of funds or assets between individuals, bypassing traditional financial intermediaries.

For those with aspirations of embarking on a fintech training, 101 Blockchains offers an array of comprehensive training resources and certifications. With our glossary as your compass, you'll navigate the exciting and ever-evolving world of fintech with confidence. Embrace the future of finance and explore the possibilities with 101 Blockchains by your side.

[academypediaen]

ERP

What is ERP?Enterprise Resource Planning (ERP) is a business process management software that integrates and automates the key back-office functions of an organization, such as finance, accounting, HR, procurement, and supply chain. An ERP system consolidates all of an organization’s disparate p [...] https://academypedia.info/glossary-index/erp/

#business #communication #data #education #ict #information #intelligence #technology - Created by David Donisa from Academypedia.info

[702maddihohneck]

When registering, I will be under a ‘sole trader.’