The four perspectives of a balanced scorecard are learning and growth, business processes, customer perspectives, and financial data. These four areas, which are also called legs, make up a company's vision and strategy. As such they require a firm'... Read more
In this risk scenario, investors hold fixed-rate debts during times of rising market interest rates. These investors may find their debt returning less than what is available from other investments paying the current, higher, market rate. If this ha... Read more
Below, you'll find the average costs of different services compiled with data from the NSA's most recent survey. "For someone who has super basic returns — so W2 income, maybe just taking the standard deductions — those will probably be in the few $1... Read more
Accounts receivable financing agreements can be structured in multiple ways usually with the basis as either an asset sale or a loan. Account receivable, any amount owed to a business by a customer as a result of a purchase of goods or services from... Read more
These contracts involve a buyer and seller, where the buyer pays a premium for the rights granted by the contract. Call options allow the holder to buy the asset at a stated price within a specific timeframe. Put options, on the other hand, allow th... Read more
Commercial real estate collateralized debt obligations are collateralized debt obligations backed primarily by commercial real estate loans and bonds. Our group of more than 45 full-time structured finance lawyers draws on our extensive experience w... Read more
ISO has designated SWIFT to act as the registration authority for national IBAN formats. Only a national standards body or a national central bank can request a national IBAN format registration for its country. Subtract the remainder from 98 and us... Read more
The higher the percentage the more debt is being relied on to fund the business. You may be using certain vendors who are outside of your budget, for example. Reevaluating operating expenses can improve your debt-to-income ratio and increase your o... Read more
If the owner needs particular expertise and an angel investor has that expertise, the owner may be willing to swap a piece of the business for the expertise. Small business bank loans may be hard to obtain until the business has been open for one ye... Read more
Both of these techniques have simple and complex forms, and each has a variety of uses. In other words, does the one variable actually cause the other one to move, or do they just happen to move together naturally thanks to another force? Just becau... Read more
