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A dog has become an accidental international celebrity - with thousands around the world following his X account.<br/><br/>Bertie the Lakeland Terrier is now a well-known pooch across social media after his owner posted an appeal for someone to walk him.<br/><br/>Bertie's X page @bertie_lakeland soon swelled to over 67,000 global followers - from as far as New Zealand and the US.<br/><br/>Photos and videos on Bertie's account show the pooch out on walks, sitting outside and inside cafes and restaurants and playing with his fellow canine friends.<br/><br/>His owner, Philip Stader, 61, said he only initially made him a social media page in a bid to 'find a dog walker'.<br/><br/>Philip, of Cheltenham, Glos, said his cute pet is \
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Grow By Joe
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Young Entrepreneurs Forum
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Financial forecasts and loans are closely related concepts that play a significant role in the financial management of businesses. Let's explore each one:<br/><br/>Financial Forecasts:<br/><br/>Financial forecasts are projections of a company's future financial performance based on historical data, current trends, and assumptions about future conditions.<br/>These forecasts typically include estimates of revenue, expenses, profit margins, cash flow, and other financial metrics over a specific period, such as a fiscal year or quarter.<br/>Financial forecasts are used for various purposes, including budgeting, strategic planning, performance evaluation, investor communication, and decision-making.<br/>Common types of financial forecasts include income statements, balance sheets, cash flow statements, and financial ratios.<br/>Accuracy and reliability of financial forecasts are critical for effective decision-making and risk management.<br/><br/>Loans:<br/><br/>Loans are financial instruments provided by lenders (such as banks, financial institutions, or private lenders) to borrowers, allowing them to borrow a certain amount of money for a specified period, typically with interest.<br/>Businesses often use loans to finance capital investments, expand operations, manage cash flow, or fund other business activities.<br/>Types of business loans include term loans, lines of credit, equipment financing, working capital loans, and commercial mortgages, each with different terms, interest rates, and repayment schedules.<br/>When applying for a business loan, borrowers are typically required to provide financial forecasts, including income statements, balance sheets, and cash flow projections, to demonstrate their ability to repay the loan.<br/>Lenders evaluate loan applications based on factors such as the borrower's creditworthiness, financial stability, business plan, collateral, and repayment capacity.<br/>Interest rates, loan terms, and loan amounts vary depending on the lender's assessment of risk and the borrower's financial situation.<br/>Repayment of loans typically involves periodic payments of principal and interest over the loan term, with the possibility of early repayment or refinancing.<br/>Loans can be an important source of funding for businesses, but they also come with risks, including interest costs, repayment obligations, and potential impact on the company's financial flexibility and creditworthiness.<br/><br/>In summary, financial forecasts are projections of a company's future financial performance, while loans are financial instruments that provide funding to businesses. Financial forecasts are often used when applying for loans to demonstrate the borrower's ability to repay the loan and assess the financial impact of borrowing on the company's operations.
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ABC News (Australia)
⏲ 4 minutes 40 seconds 👁 9.9K
LYFE Accounting
⏲ 9 minutes 55 seconds 👁 1.5K
Financial modeling plays a significant role in influencing financing choices for businesses. Here are some ways in which financial modeling impacts financing decisions:<br/><br/>Capital Structure Optimization: Financial modeling helps businesses determine the optimal capital structure by analyzing the cost of capital and assessing the impact of different financing options on financial metrics such as leverage ratios, interest coverage, and return on investment. By quantifying the expected benefits and risks associated with debt and equity financing, businesses can determine the optimal mix of debt and equity to minimize the cost of capital while maximizing shareholder value.<br/><br/>Debt Capacity Analysis: Financial modeling allows businesses to assess their debt capacity by analyzing cash flow projections, debt service coverage ratios, and other financial metrics. By modeling different scenarios and stress testing assumptions, businesses can determine the amount of debt they can comfortably service without compromising their financial stability or liquidity position.<br/><br/>Cost of Capital Estimation: Financial modeling helps businesses estimate the cost of capital associated with different financing options, including debt, equity, and hybrid instruments. By analyzing factors such as interest rates, dividend yields, and risk premiums, businesses can compare the cost of various financing alternatives and choose the most cost-effective option that maximizes shareholder value.<br/><br/>Risk Analysis: Financial modeling enables businesses to assess the risks associated with different financing choices, including interest rate risk, credit risk, and market risk. By incorporating risk factors into their models and conducting sensitivity analysis, businesses can evaluate the potential impact of adverse market conditions or unexpected events on their financing arrangements and make informed decisions to mitigate risks.<br/><br/>Investor Communication: Financial modeling helps businesses communicate their financing needs, capital allocation strategy, and growth prospects to investors, lenders, and other stakeholders. By providing transparent and credible financial projections supported by robust modeling assumptions, businesses can attract capital at favorable terms and negotiate financing agreements that align with their long-term strategic objectives.<br/><br/>Scenario Planning: Financial modeling allows businesses to conduct scenario analysis and evaluate the impact of different financing choices on their financial performance under various market conditions. By modeling different scenarios, such as economic downturns, changes in interest rates, or shifts in market demand, businesses can assess the resilience of their financing arrangements and develop contingency plans to mitigate risks and capitalize on opportunities.
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nab
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Noelle Randall
⏲ 11 minutes 56 seconds 👁 12.4K
<br/>Projecting the financial future involves forecasting the financial performance of a business or individual over a specific period. Here's a step-by-step guide on how to project the financial future:<br/><br/>Gather Historical Data: Begin by collecting historical financial data, including income statements, balance sheets, and cash flow statements. This data will serve as a foundation for your projections and help identify trends.<br/><br/>Define Assumptions: Identify the key assumptions that will drive your projections. These may include factors such as sales growth rates, expense levels, inflation rates, interest rates, and other relevant variables.<br/><br/>Revenue Projections: Forecast future revenues based on historical trends, market analysis, sales pipelines, and any other relevant factors. Consider different scenarios and sensitivities to changes in key variables.<br/><br/>Expense Projections: Estimate future expenses, including operating expenses, cost of goods sold, overhead costs, and any other relevant expenditures. Again, consider different scenarios and potential fluctuations in costs.<br/><br/>Cash Flow Forecasting: Project future cash flows by integrating revenue and expense projections. Consider the timing of cash inflows and outflows, including accounts receivable, accounts payable, and capital expenditures.<br/><br/>Capital Budgeting: If applicable, incorporate capital budgeting decisions such as investments in new equipment, expansion projects, or acquisitions. Evaluate the potential returns and risks associated with these investments.<br/><br/>Debt and Financing: Determine the need for financing and project future debt levels, interest expenses, and repayment schedules. Consider different financing options and their impact on cash flows and financial health.<br/><br/>Sensitivity Analysis: Perform sensitivity analysis to assess the impact of changes in key assumptions on your financial projections. Identify the most critical variables and their potential effects on the financial future.<br/><br/>Financial Statements: Prepare projected financial statements, including income statements, balance sheets, and cash flow statements. Ensure these statements are coherent and consistent with your projections.<br/><br/>Review and Refine: Review your projections carefully, seeking input from relevant stakeholders such as management, investors, or financial advisors. Refine your assumptions and projections as needed based on feedback and changing circumstances.<br/><br/>Monitor and Adjust: Regularly monitor your actual financial performance against your projections. Identify any variances and adjust your projections accordingly. Use this feedback loop to improve the accuracy of future projections.<br/><br/>Scenario Planning: Consider preparing multiple scenarios for different outcomes and risks. This could include best-case, worst-case, and base-case scenarios to help you prepare for various eventualities.
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FREENVESTING
⏲ 4 minutes 51 seconds 👁 937K
Bryan Invest
⏲ 10 minutes 2 seconds 👁 13.3K
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