tag:blogger.com,1999:blog-32574906274403185792024-03-13T19:18:54.761-07:00SuperCFO- finance management guide | BlogSuperCFO one of the leading financial guide Indian company. Read here articles on financial guide, CFO - Indian GAAP, CFO Jobs, Outsourced Accounting, Bookkeeping, CFO Controller Services, Financial Reporting, International Holding Structure.SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.comBlogger15125tag:blogger.com,1999:blog-3257490627440318579.post-27891419848397591172011-02-16T01:03:00.000-08:002011-02-16T01:03:24.233-08:00Investment by way of private equity or venture capital<div dir="ltr" style="text-align: left;" trbidi="on"><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/-JAYbrnnS-GQ/TVuLGMQMGdI/AAAAAAAAAGI/8oa2kz0iYOk/s1600/featured_sep.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-JAYbrnnS-GQ/TVuLGMQMGdI/AAAAAAAAAGI/8oa2kz0iYOk/s320/featured_sep.jpg" width="320" /></a></div>When a small business is looking to grow itself, the best way for it to do so is to either opt for <b>private equity investment</b> or look at venture capital firms. Both have their own benefits and downsides, and these should be taken into account when looking to secure either. Getting the wrong one for your business situation could be disastrous, so do your homework before stepping out with your big plans in hand. The one similarity private equity investment and <b>venture capital firms</b> share is that venture capital is invested as equity as well, and both are invested in businesses with high growth potential. </div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;">Both look to try and get hold of companies with solid future prospects and they also look for management teams that are capable of envisioning and then carrying out a proper business plan. There are fundamental differences to be found between the two vehicles of investment though. Historically, venture capitalists have been earlier to get onto the bandwagon while private equity only really comes into play down the line, like a second wave of attack. Private equity is more often than not offered to companies that are far further along in their life cycle as compared to venture capital offerings. </div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;">But <b>venture capital firms</b> take their pound of flesh for stepping in so early in the process; they will make businesses jump through more hurdles and be more cutthroat in their valuations of businesses. They might place restrictions on business in the way they can be managed while private equity firms will try to have less of a say by way of comparison. These are the technicalities that everyone will dish out when asked about <b>private equity investment</b> and venture capitalists, but competition has served to make this divide very unclear. </div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/-3mqDfwWNcWM/TVuLZdOR2JI/AAAAAAAAAGQ/3QJGYZVRLMs/s1600/venture-capital-financing-1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-3mqDfwWNcWM/TVuLZdOR2JI/AAAAAAAAAGQ/3QJGYZVRLMs/s320/venture-capital-financing-1.jpg" width="320" /></a></div>If anything, the boundaries between two investment classes have now been blurred thanks to robust competition. With capital markets as active as they are today, there is a lot of capital that is after some very lucrative businesses. And so it is that investors no longer hold all the aces. There is so much pressure on money managers, investment advisors, fund managers and capital providers to invest that never before deals are now being cracked. Money supply has suddenly come along in a gush and it has created sever competition from investors, all of this resulting in crazy valuations (by businesses) and lower yields (for investors).</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;">This competition has now seen private equity firms try to catch companies earlier in the corporate life cycle while venture capitalists have now softened their demands. As an entrepreneur, this is a fantastic situation to be in and you should look at all your options before settling on any one source of capital. </div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
<span style="font-family: Georgia; font-size: 12pt;">Desc: When a small business is looking to grow itself, the best way for it to do so is to either opt for <b>private equity investment</b> or look at venture capital firms.</span></div><br />
<span style="font-family: Georgia; font-size: 12pt;">For more details : <a href="http://www.supercfo.com/"><b>SuperCFO</b></a></span></div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com1tag:blogger.com,1999:blog-3257490627440318579.post-8301067930721861452011-02-10T01:52:00.000-08:002011-02-10T01:52:13.348-08:00Cross cultural management in a new global order<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div style="text-align: justify;"><a href="http://3.bp.blogspot.com/-mDrwM92AC10/TVOtGNPuGMI/AAAAAAAAAGA/_I5_F9t07ws/s1600/smallworld.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="239" src="http://3.bp.blogspot.com/-mDrwM92AC10/TVOtGNPuGMI/AAAAAAAAAGA/_I5_F9t07ws/s320/smallworld.jpg" width="320" /></a>As businesses start to go global, it becomes importance to understand the role <b>cross cultural management</b> has to play in the handling of personnel across continents. For example, with the biggest firms starting to move their manufacturing to <st1:country-region w:st="on"><st1:place w:st="on">China</st1:place></st1:country-region>, firms should understand how to bridge any cultural bridges that are there to be crossed. Surprisingly though, many organizations are either ill informed or choose to ignore such issues. Continuing with the Chinese example, factors such as the national religion, local customs and way of life need to be taken into account. And that’s before you even consider such massive factors as legal structures and language barriers.</div><h5 style="line-height: 150%; text-align: justify;"><span class="divcontent"><span style="color: #111111; font-family: Georgia; font-size: 12pt; font-weight: normal; line-height: 150%;">Failing to take into account these simple factors will result in poor communication and cultural struggles and conflicts. All of this will end up affecting efficiency and will doubtlessly raise costs and risks. What’s more, at worst it could result in failure of the entire project. When committing to any overseas projects, <b><a href="http://www.supercfo.com/advantage.php#a6">business</a></b> failure can at many times be put down to a lack of cultural sensitivity. Not sharing a common cultural context and background, behavioral patterns can emerge that pits one ethos and sets of customs against another. And that is not the best of situations to be in.<o:p></o:p></span></span></h5><div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/-xMHUvmV5nd0/TVOtN5KyfWI/AAAAAAAAAGE/m3hrpOjcy2o/s1600/5332397195_8c057e1267.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="240" src="http://4.bp.blogspot.com/-xMHUvmV5nd0/TVOtN5KyfWI/AAAAAAAAAGE/m3hrpOjcy2o/s320/5332397195_8c057e1267.jpg" width="320" /></a></div><h5 style="line-height: 150%; text-align: justify;"><span class="divcontent"><span style="color: #111111; font-family: Georgia; font-size: 12pt; font-weight: normal; line-height: 150%;">All of these cultural differences make it difficult to objectively evaluate information that flows out of any given location. Moreover, it becomes very difficult to understand meanings and intentions when cultural nuances are misunderstood. For example, saying “nega” in China is the Chinese equivalent of “um”, but you can understand why an African American or any Black person would be incensed to hear a Chinese national saying “Nega…nega” while pondering something as simple as a work schedule or what went wrong. Little things like this are where <b>cross cultural management</b> comes into play, educating both sets of workers and sensitizing them to the peculiarities that epitomize the other set of people. All of this done so that there comes a sense of understanding across the workforce and things start to flow more smoothly from top to bottom of the organization.</span></span></h5><h5 style="line-height: 150%; text-align: justify;"><span class="divcontent"><span style="color: #111111; font-family: Georgia; font-size: 12pt; font-weight: normal; line-height: 150%;"></span></span></h5><h5 style="line-height: 150%; text-align: justify;"><span class="divcontent"><span style="color: #111111; font-family: Georgia; font-size: 12pt; font-weight: normal; line-height: 150%;"></span></span></h5><h5 style="line-height: 150%; text-align: justify;"><span class="divcontent"><span style="color: #111111; font-family: Georgia; font-size: 12pt; font-weight: normal; line-height: 150%;"></span></span></h5><h5 style="line-height: 150%; text-align: justify;"><span class="divcontent"><span style="color: #111111; font-family: Georgia; font-size: 12pt; font-weight: normal; line-height: 150%;"></span></span></h5><h5 style="line-height: 150%; text-align: justify;"><span class="divcontent"><span style="color: #111111; font-family: Georgia; font-size: 12pt; font-weight: normal; line-height: 150%;"><o:p>For more details: <b><a href="http://www.supercfo.com/">SuperCFO</a></b></o:p></span></span></h5><span class="divcontent"><b><span style="color: #111111; font-family: Georgia; font-size: 12pt;"></span></b></span><b><span style="color: #111111; font-family: Georgia; font-size: 12pt;"><br />
</span></b></div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com1tag:blogger.com,1999:blog-3257490627440318579.post-61477409112502863452011-02-07T03:30:00.000-08:002011-02-07T03:31:35.554-08:00Technology transfer plays a key role for businesses<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/_60NphrLBsqE/TU_Sql4kHuI/AAAAAAAAAF4/FuMzvws-Ydc/s1600/typing.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="164" src="http://3.bp.blogspot.com/_60NphrLBsqE/TU_Sql4kHuI/AAAAAAAAAF4/FuMzvws-Ydc/s320/typing.jpg" width="320" /></a></div><div class="MsoNormal" style="color: black; font-family: inherit; line-height: 150%; text-align: justify;">In the broadest of terms, <i><b>technology transfer</b></i> is nothing more than process of transference of technological know-how. It doesn’t matter whether the technology transfer is that of something created by an individual or any larger entity, everything counts towards the cause. The transference of facilities, expertise and know-how cumulatively referred to constitutes the transfer of technology. Effectively done, it results in the commercialization of a new product or service and even in the improvement of existing products, services or processes.</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="MsoNormal" style="color: black; line-height: 150%; text-align: justify;">The whole process itself cannot be defined as straightforward or complex though; that depends on the type of technology being transferred and the capacity of the recipient in question, so this definition varies from case to case. Generally though it is collaborative and never straightforward simply because such a transference might necessitate the learning of new skills or the change of old behaviors. As such, the process of transference is not limited to the technology itself. The idea of ‘fit’ and optimizing performance must also be considered when talking about the simplicity or complexity of the process.</div><div class="MsoNormal" style="color: black; line-height: 150%; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><span style="color: black;">A </span><i><b style="color: black;">technology transfer</b></i><span style="color: #0b5394;"><span style="color: black;"> might happen from one country to another or it might happen from one industry to another, or even from a<a href="http://www.supercfo.com/blog/category/business"> <b>business</b> </a>research laboratories to another location. The creation of these technologies and, perhaps more importantly, the absorption of this technology has become a key part of businesses looking to be competitive. It is a big part of the competitive advantages they enjoy over their closest rivals</span>.</span> </div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_60NphrLBsqE/TU_S3gF-PII/AAAAAAAAAF8/y6SrynG9C8k/s1600/reasons-business-should-new-technology-200X200.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/_60NphrLBsqE/TU_S3gF-PII/AAAAAAAAAF8/y6SrynG9C8k/s1600/reasons-business-should-new-technology-200X200.jpg" /></a></div><div class="MsoNormal" style="color: black; line-height: 150%; text-align: justify;">If a business has a competitive advantage that is purely price based, technology can be used to refine the processes that dictate this price, driving costs down and improving competitiveness. But that is not the only use of <b><i>technology</i> </b>transfer. Technology can also be utilized to improve products or change the processes and structure of the organization. In particular, technology can play a key role in sectors where innovation is the need of the hour. As market needs and trends evolve continuously, companies that embrace will always flourish as opposed to companies that are more reluctant when it comes to taking on technology.</div><div class="MsoNormal" style="color: black; line-height: 150%; text-align: justify;"><br />
</div><div style="color: black; text-align: justify;"><span style="font-family: Georgia; font-size: 12pt;">Desc: In the broadest of terms, technology transfer is nothing more than process of transference of technological know-how, and it will always play a key role in businesses.</span></div><div style="color: black; text-align: justify;"></div><div style="color: black; text-align: justify;"><span style="font-family: Georgia; font-size: 12pt;">For more details: <b><a href="http://www.supercfo.com/blog/">SuperCFO</a></b>.</span></div></div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com1tag:blogger.com,1999:blog-3257490627440318579.post-4735971845845376392011-02-03T04:38:00.000-08:002011-02-03T04:38:49.838-08:00Never look at filing for bankruptcy unless you absolutely have to<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_60NphrLBsqE/TUqd-K1i-yI/AAAAAAAAAFw/UZ4giOOcsKU/s1600/all-your-eggs-in-one-basket-by-woodsy.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="240" src="http://4.bp.blogspot.com/_60NphrLBsqE/TUqd-K1i-yI/AAAAAAAAAFw/UZ4giOOcsKU/s320/all-your-eggs-in-one-basket-by-woodsy.jpg" width="320" /></a></div><div class="MsoNormal" style="line-height: 150%; text-align: justify;">Sometimes, crushed by a giant figure of debt, we end up feeling overwhelmed and of the opinion that there is no way out other than simply <b>filing for bankruptcy</b>. But you’d be wrong. Of course, bankruptcy is a way out of debt. But as with any decision, there are long term consequences that must always be kept in mind. If you are considering filing for bankruptcy, there are two things that you must keep in mind. The first thing is that filing for bankruptcy under any statute is not a ‘get out jail free’ card. It doesn’t just wipe your slate clean and let you walk away. The damage that has been done cannot be undone. The second thing is that you should try to pay off as much of your debt as you can, meaning a payment plan must be adhered to. </div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;">Yes, bankruptcy does have its “benefits” if you wish to put it that way, but it mangles your credit rating so badly that you are basically ineligible for most loans. And even if you do get a loan it will be at such an exorbitant rate as to make it seem like daylight robbery. And the worst part of it all? Your credit rating will be damaged by bankruptcy for a period as long as ten years. Sure, you can try to fix that credit score one way or another. But it’ll be almost like trying to scale Mount Everest using nothing more than two ice picks; it’s an almost impossible (and wholly unenviable) task.</div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_60NphrLBsqE/TUqeIuQub_I/AAAAAAAAAF0/lyygqJlYQGQ/s1600/fotolia_3665159_XS.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="240" src="http://4.bp.blogspot.com/_60NphrLBsqE/TUqeIuQub_I/AAAAAAAAAF0/lyygqJlYQGQ/s320/fotolia_3665159_XS.jpg" width="320" /></a></div><div style="font-family: inherit; text-align: justify;"><span style="font-size: 12pt;">Thus, using bankruptcy as a backup plan would be absolutely fool-hardy. Just <b>filing for bankruptcy</b> and believing everything will vanish away as if it were a bad dream is plain stupid, because that’s not how it works. Instead of simply filing for bankruptcy, try to restructure your debts so that it can be repaid to as great an extent as possible. Talk to your lenders and let them of your financial difficulties and willingness to try and reach some final settlement by way of compromise. You’d be surprised by how agreeable they are to your request, but the fact is they’d rather lose only some of their money as opposed to losing all of their money to your bankruptcy claim.</span></div><div style="font-family: inherit; text-align: justify;"><span style="font-size: 12pt;">For more information: <b><a href="http://www.supercfo.com/blog/">SuperCFO</a>.</b> </span></div></div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com0tag:blogger.com,1999:blog-3257490627440318579.post-33814583131777199522011-01-14T00:00:00.000-08:002011-01-14T00:00:20.255-08:00Reducing the tax burden on your small business<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/_60NphrLBsqE/TTACXZKSZpI/AAAAAAAAAFo/cm84DqwWgSM/s1600/TaxBurden.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://1.bp.blogspot.com/_60NphrLBsqE/TTACXZKSZpI/AAAAAAAAAFo/cm84DqwWgSM/s320/TaxBurden.jpg" width="286" /></a></div>It is perhaps the most <b>fundamental idea of business</b> that they will look to spend as little money while making the most money they can while governments will look to earn as much tax money as they can with as little effort exerted as possible. As someone once quipped, a fine is a tax you pay for getting things wrong while a tax is a fine you pay for getting things right. But jokes and frippery aside, <b>reducing the tax burden</b> on your small business is of the utmost importance. No matter how badly or how well you’re doing, it always helps to save money one way or another.<br />
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Funding retirement accounts are the first way in which you can set about reducing the tax burden that is levied on your small business. But that is just one of several avenues that you can choose to go down and so it certainly pays to <b>reduce the tax burden</b> that you have to take on your shoulders as a business owner. When investing money beyond any tax-sheltered retirement options, be wary of the consequences. That’s because there are capital gains taxes that you will have to pay for any appreciation in the investment and this taxation is also true of all interest and dividends that will be paid out. So consider tax-free money market funds as an alternative instead. Tax-free bonds too are a better option as opposed to putting your money in taxable bonds.<br />
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Another trick to reduce the tax burden that you’ll have to bar is to hold on to that investment for a period of 18 months or more and so make the capital gains long term. This is a wiser move since the income tax on long term capital gains is more reasonable. If you sell it within a period of 12 months, it will be taxed as per normal income tax rates and that is absolutely killer. Expenses such as medical expenses, local taxes, contributions to charity and retirement fund accounts and employee expenses can all be claimed as deductions. Understand the expenses that you will take on board as a business owner and you will be better prepared when it comes to reducing your tax burden. <br />
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You may want to read <a href="http://supercfoservices.blogspot.com/2010/10/straightening-out-your-taxes-in-2011.html">Straightening out your taxes in 2011</a> this article too.SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com2tag:blogger.com,1999:blog-3257490627440318579.post-69987926527048007102010-12-29T21:04:00.000-08:002010-12-29T21:04:51.750-08:00Steps to successful debt consolidation<div style="text-align: justify;"><a href="http://1.bp.blogspot.com/_60NphrLBsqE/TRwQ1SpFADI/AAAAAAAAAEs/5f1MCpZkOgI/s1600/Debt-Consolidation.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="http://1.bp.blogspot.com/_60NphrLBsqE/TRwQ1SpFADI/AAAAAAAAAEs/5f1MCpZkOgI/s320/Debt-Consolidation.jpg" width="212" /></a><b>Successful debt consolidation</b> is completely dependent on using the correct steps to identify and eliminate your debt load by consolidating it under one head before paying it off over time. The first of these steps involves identifying what your debt load. Open those bills and statement and take in those number. If you have a mortgage, how much of your total debt does it represent? If it stands at 25%, it's fine. If a majority of your debt is consumer debt though, you have a problem. Also, how much is owed to friends and family and how much to creditors? Which has the highest interest rates? How much interest will you pay back over time? Figure these important questions out first. <br />
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The next step is to create a budget. Understand how much you need to maintain a decent lifestyle and then how much you need over and above that. Cut back on some unnecessary spending, like eating out and overly socializing. Once you've arrived at a compromise budget, apply for a debt consolidation loan. Make that appointment, hand over the documents requested and try and restructure your debt. If you have high interest unsecured debt (<i>such as consumer or credit card debt</i>) try and convert it into secured debt (<i>such as a mortgage</i>). This way, you will pay less by way of interest since the bank has security against the debt. <br />
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Once that is done, stick to the plan and aggressively pay off your debt. Your lender might decide which loans get paid off first, but if some loan is causing you greater emotional stress (<i>such as debt from a friend that has strained relations</i>), pay those off first. Pay all of your debt off in a timely manner and once you're done stay debt free. Make payments as you would to a lender but now put it into savings or investments. Don't overspend and don't try and keep up with the Jones'. It's a surefire way to fall further into the mire.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">you may like to read another article <a href="http://supercfoservices.blogspot.com/2010/12/how-to-handle-debt-issues.html">how handle debt issues</a> and <a href="http://supercfoservices.blogspot.com/2010/10/debt-management-101.html">debt management 101</a>.</div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com5tag:blogger.com,1999:blog-3257490627440318579.post-73113892548060769232010-12-23T00:30:00.000-08:002010-12-23T00:30:27.518-08:00Reasons why you need life insurance<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_60NphrLBsqE/TRMIXcpelhI/AAAAAAAAAEc/6O97lY8KYDM/s1600/life_insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/_60NphrLBsqE/TRMIXcpelhI/AAAAAAAAAEc/6O97lY8KYDM/s1600/life_insurance.jpg" /></a></div>The reason we have insurance is plain and simple. It is designed to protect any family from a sudden and calamitous disaster and any financial demands that it might place on them. There are many variants of insurance on offer, but perhaps the most basic kind of insurance you can get is life insurance. Life insurance, as its name suggest, insures life and so the future of your dependents and loved ones will be protected in the event that anything happens to you. Just as you meet financial commitments throughout life and contribute in some way to the family income, you need to do so after passing on as well. You need to secure the home, help the family meet expenses for as long as you can possibly provide for and help the children and the spouse get by in tough times.<br />
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There are several financial obligations that pop up in life and beyond as well. Funeral expenses, for instance, can be quite significant as too outstanding medical bills. Then there are possibly mortgage payments, business payments, college expenses and so on to look after. How much life insurance you must take on depends on multiple factors. It is dependent on your lifestyle, your financial needs and your sources of income as also how many dependents you have. Most insurance agents would suggest that you take insurance totaling somewhere between five and ten times your annual income. Your needs for insurance are very particular to your circumstances ad according to them you need to come up with an insurance plan that suits your needs.<br />
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Correctly planned, life insurance will provide much needed funds to your dependents so that they can deal with expenses even after your death. It is a sense of protection that it provides and it serves as a cash cow to be milked for some time. This is tax free cash that has been provided solely to provide for your family. It can also have a savings or pension component that looks after you even during your retirement, and again that depends on your circumstances and needs. Less than an expense, a life insurance policy is a financial asset that can positively affect your credit rating if you need to take out a home loan or if you are seeking health insurance. The reasons for taking life insurance are compelling and many, and if you haven't done so till date, go get yourself insured right now.SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com1tag:blogger.com,1999:blog-3257490627440318579.post-43244477729278205162010-12-06T04:36:00.000-08:002010-12-06T04:36:27.835-08:00How to handle debt issues<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_60NphrLBsqE/TPzYp1tMQrI/AAAAAAAAAEQ/P2e-f3N-pzg/s1600/images.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="183" src="http://4.bp.blogspot.com/_60NphrLBsqE/TPzYp1tMQrI/AAAAAAAAAEQ/P2e-f3N-pzg/s320/images.jpg" width="320" /></a></div><div style="text-align: justify;">If you are currently swimming through a sea of debt the likes of which you feel you will never be able to fully wade through, don't fear for you are not alone. Like you, there are several others that are finding their debt problems to be nightmarish. It is admittedly a very scary proposition and you should not feel as if there is no end to your worries. A problem to do with debt is still just that, a problem, and there are ways for you to get out of this situation eventually. All it take is planning and diligence on your part when it comes to stick to this financial plan you've come up with. <br />
<br />
Particularly popular are debt management services. Managing your debt can be said to be a bit of an art and if you were to leave these problems to just sort itself out, you are going to find yourself in a financial tangle that could leave you looking worse than roadkill! This is where debt management solutions and services come into play, for they restructure your debt and offer you repayment options that are more affordable and more in keeping with any new realities and constraints that you might have to face up to. Several financial experts will teach you on how to get through these tough financial times you find yourself in and they will tailor a solution to fit your particular situation and your particular problems at all times. They have bags of experience when it comes to dealing with these problems and they can help you see off your debt problems. <br />
<br />
Another option very many people pursue are that of debt consolidation services. If you have several debts, enough to make your mind spin, you can consolidate all of these debts under one single payment head and effectively keep an eye only on one number. This means you won't forget to make a payment and you will only have to take care of one monthly installment. Many others choose to simply redefine their lifestyle, cutting back on non-essential and frivolous spending. By redefining and cutting back on your expenses and increasing the money you have on hand, you can manage your monthly and day to day needs in a better manner than you previously could, but this can only work if you don't have a truckload of debt on your hands. <br />
<br />
Consolidating your loans is by far and away the best option when it comes to managing your debts since you get<br />
• a lower interest rate<br />
• a single payment to make and <br />
• you can save money and cut your debts back a bit. <br />
<br />
Consolidating a loan is a great way to get away from a mountain of loans. If that doesn't appeal to you, you can always talk to financial experts who will gladly guide you through to the promised land of financial freedom.</div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com0tag:blogger.com,1999:blog-3257490627440318579.post-84509362705482061392010-11-26T02:23:00.000-08:002010-11-26T02:24:39.482-08:009 ways to go about getting that small business loan<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_60NphrLBsqE/TO-KJANOjMI/AAAAAAAAAEM/5INE3lIVnw8/s1600/small+business+loan.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://2.bp.blogspot.com/_60NphrLBsqE/TO-KJANOjMI/AAAAAAAAAEM/5INE3lIVnw8/s1600/small+business+loan.jpg" /></a></div><div style="text-align: justify;">If you are applying for a small business loan, you should get a few things sorted out before you do so and most of these thoughts are to do with the loan criteria as spelled out by the lender. Some organizations are just more wary of risk than everyone else and will be very stringent in the way they approve applications. In order to pass muster and have a successful application here's 9 things you must keep in mind.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b>The reason</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">First up, make sure that you have a clear cut reason for the loan, something that ties in with your business and your stated field of expertise. If your loan amount covers multiple items, cover each of these items with reasons for why you need them.</div><div style="text-align: justify;">Simple numbers</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Sometimes cold hard numbers are all you need, so simply state the amount you need, the repayment terms you are seeking and the tenure of the loan. For instance, this could be a loan of $20,000 for a period of 4 years and a quarterly payment option.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b>Details of repayment</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Banks always are keen to hear how you will be able to finance the loan that you are about to get from them, so you should know how you will service the loan. An answer of “By way of profits from reduced running costs” is a lot more desirable than a simple “I just will”.</div><div style="text-align: justify;">Security and collateral details</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Offer details of the collateral you are offering to the lender and this will probably go quite some way in soothing any concerns that the lender might have. If you are not going to be prepared to put anything on the line, why would they?</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b>Show off your business plan</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">You need to be able to come up with a business plan that will answer any essential questions that the lender might have pertaining to your business. This could be market information, your own credentials, your line of business or anything else.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b>Financial statements</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Including financial statements is a savvy move since you will need to present financial information, preferably churned out by some accounting software and verified by your accountant and/or tax advisor.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b>Management account</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Again, your accounting software can produce a set of management accounts for the lender's perusal and this can strengthen your case.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b>Accounts receivables and payables report</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">This will help a bank get a clearer idea of your debtors and creditors and it will likely help your cause if if this is supportive of your application for a loan.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b>Principals financial statements</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">This will be needed if some sort of collateral is offered up by you to the lender, so make sure you keep this close at hand.</div><br />
<b>Desc</b>: <br />
<br />
If you are a new company, the emphasis is going to be on your business plan , and the security (also called collateral) you or your business can provide against the loan.<br />
<br />
You must take the time to practice presenting your case to the bank or lender to iron out any glitches. Practice on your colleagues and family (you never know, they might be so impressed, they'll invest or lend!). It may help to role play the lender and come up with as many pointy questions as possible. The more time you take the better your chances will be. (But remember, don’t fall into the analysis paralysis trap!)SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com0tag:blogger.com,1999:blog-3257490627440318579.post-62401745101767870072010-10-25T05:24:00.000-07:002010-10-25T05:24:01.923-07:00Debt management 101<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/_60NphrLBsqE/TMV2IqJs6UI/AAAAAAAAAEI/xO1Gw775TfA/s1600/Debt+management.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/_60NphrLBsqE/TMV2IqJs6UI/AAAAAAAAAEI/xO1Gw775TfA/s1600/Debt+management.png" /></a></div><div style="text-align: justify;">As it is with a great many things, there is a lot of fuzziness surrounding a concept such as debt management. Does debt management merely concern itself with mitigating your debts or does it have a lot to do with actually paying it all off in good time? Or maybe it has something to do with both? Let’s try and bring some clarity to the situation. Debt is nothing more than an agreement between the MRA and your creditors aimed at reducing your debt levels over a pre-set period of time. Debt management, if properly executed, will help you work off your debts and get a clean state with which to plan your finances again. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">So you ask yourself the inevitable question then; can debt management help you? The frank answer to that is that it might be, but it has a lot to do with your particular situation and there is no one size fits all solution. But one thing that can be said very safely is that if you are struggling to meet all of your payment obligations, but can meet some of them, then debt management might be for you. The one thing to keep in mind though is that a debt management plan will adversely impact your credit rating, at least in the short term and maybe even in the medium term. It’s not meant to be a “get out of jail free” card, and creditors and credit agencies certainly won’t see it that way. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Many creditors will be open to the idea of working with you and coming up with a plan that will reduce your interest rate and charges over a period of time, but be aware that drawing up a payment plan that is drawn out over a longer period of time will likely increase the amount you pay. Moreover, you cannot do this for a secured loan, so let’s get that idea out of the way. So, long story short, yes you may well be able to get out of debt by using a debt management companies services but your credit rating will be hit as a result of this, affecting your ability to get any loans.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Perhaps that is a good thing though since it will impart to you a crucial lesson of financial prudence. You know what they say about allowing a child to burn his fingers so that he doesn’t play with fire again, and it is much the same with allowing someone’s financial situation to be addressed by debt management services. Debt management is a double edged sword, and while it is always an option, it should not be your first option for meeting your financial obligations.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Get free debt management guideline at <a href="http://www.supercfo.com/">Supercfo</a>. </div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com1tag:blogger.com,1999:blog-3257490627440318579.post-24721243605334233702010-10-18T02:43:00.000-07:002010-10-18T02:43:19.793-07:00Straightening out your taxes in 2011<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/_60NphrLBsqE/TLwVXzp7PhI/AAAAAAAAAEE/ieg7Y_wKbF4/s1600/Straightening+out+your+taxes+in+2011.jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" ex="true" src="http://1.bp.blogspot.com/_60NphrLBsqE/TLwVXzp7PhI/AAAAAAAAAEE/ieg7Y_wKbF4/s1600/Straightening+out+your+taxes+in+2011.jpg" /></a></div><div style="text-align: justify;">Whether you like it or not, it's coming. The expiry of the Bush-era tax cuts means that a whole new era of budgetary responsibility is going to be enacted in 2011. If congress allows this to lapse (and it is no certainty that it won't), tax rates will once again be rolled back to Y2K levels. It represents a complete overhaul of things, but that will happen next year and will shift the burden of taxation towards high earners as opposed to the current system. So, if you want to know how to straighten your tax affairs in 2011 but want the short version, read only this one line; under the (proposed) new regulations, you are unlikely to be affected if your income falls below $200,000 as an individual or $250,000 for a married couple. If that's all you needed to know, there you have it, you need read no further.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">If you do fall under that new tax bracket though, you will pay an extra 0.9% by way of taxes in 20133 and any investment income and gains will be subject to a 3.8% levy. Here's what's slated and how you can strategically maneuver to get the most out of an unfriendly 2011 tax code.</div><div style="text-align: justify;"><br />
</div><h2 style="text-align: justify;">High incomes for high tax earners</h2><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">This is very likely to pass and tax rates of 33 and 35 returning for big earners. If you fall under that tax bracket, try and take advantage of the 2010 rates by not deferring income into the next year. In addition, converting the usual IRA to a Roth isn't the best idea; instead, spread your tax bill over a period stretching to 2012. A Roth conversion is a tricky issue, so talk to your tax adviser about it. </div><div style="text-align: justify;"><br />
</div><h2 style="text-align: justify;">Higher taxes on investment gains</h2><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">This is as good as a done after the furore and anger towards investors skimming the market for profits. That said, don't sell winning stocks just to pay less taxes in 2011. If your aim is to re-balance your portfolio, by all means do so. But make sure it happens in 2010. That means taxes on long-term and short-term gains will be not as severe and the same argument holds true for home equity. Get it in while it won't be taxed as much.</div><div style="text-align: justify;"><br />
</div><h2 style="text-align: justify;">The estate tax is back</h2><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The federal estate tax is zero as it stands right now, but taxes are being rolled back and this will likely be reinstated, with a tax rate of 55 % proposed on estates valued at $1 million to $10 million and 60 percent on estates worth more than that. The fact that the status of this proposal is up in the air doesn't help matters, but an interesting provision of the proposal caps the amount of tax payable for inherited property. This is is referred to as a stepped-up tax basis, and what it means is if you inherit property, you have to pay taxes based on what the cost was at the time of acquisition, not current market costs. That could be very handy indeed. </div><div style="text-align: justify;"><br />
</div><h2 style="text-align: justify;">Almost no write-offs for high-income earners</h2><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The status of this is again unclear, and Barack Obama is strongly advocating the removal of personal exemptions and is a supporter of a proposition that would cap the deduction rate at 28%, but expect charities to be strongly opposed to a reduction in that deduction rate. Make a big gift to your favorite charity while you can, for that may soon change.</div><div style="text-align: justify;"><br />
</div><h2 style="text-align: justify;">Changes to the Alternative Minimum Tax</h2><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">This is not a big surprise since it changes every year in any case and it will affect the middle-class more than anything since the tax is not geared to factor in inflation. This one is coming for sure, and singles and couples will have to crunch the numbers and pay whatever the maximum taxable amount is. This affects parents particularly hard in states with considerable income and property taxes, such as New York or California. Other than simply moving, pray for tax reforms to come by after the next mid-term elections. Pay attention to this one, it might just hit you hard.<br />
Desc: The expiry of the Bush-era tax cuts means that a whole new era of budgetary responsibility is going to be enacted in 2011.</div><div style="text-align: justify;"><br />
</div><blockquote><div style="text-align: center;">Read more at <a href="http://www.supercfo.com/">supercfo</a> .</div></blockquote>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com0tag:blogger.com,1999:blog-3257490627440318579.post-35620466596953548682010-10-14T01:50:00.000-07:002010-10-14T02:21:40.527-07:002010 CFO Survey Report (by SuperCFO)<div style="text-align: justify;">SuperCFO recently conducted a Survey, collecting feedback from CFO’s and Controllers across the globe (over 32 Countries) to understand key challenges, and their views & opinions on various topics ranging from Risk Management, Business Intelligence Technology, Business Process Outsourcing, Accounting Systems/Manuals, etc. The Survey Questions were carefully drafted in such a way to ensure that respondents, who comprised of CFO’s & Controllers, could complete the survey in about 60 seconds. We hope you find the Survey Results useful.</div><div style="text-align: justify;"><br />
</div><div id="__ss_5440433" style="height: 557px; width: 486px;"><object height="500" id="__sse5440433" width="500"><param name="movie" value="http://static.slidesharecdn.com/swf/ssplayer2.swf?doc=2010cfosurveyreportbysupercfo-101014033408-phpapp02&stripped_title=2010-cfo-survey-report-by-supercfo&userName=supercfo" /><param name="allowFullScreen" value="true"/><param name="allowScriptAccess" value="always"/><embed name="__sse5440433" src="http://static.slidesharecdn.com/swf/ssplayer2.swf?doc=2010cfosurveyreportbysupercfo-101014033408-phpapp02&stripped_title=2010-cfo-survey-report-by-supercfo&userName=supercfo" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="500" height="460"></embed></object><br />
<div style="padding-bottom: 12px; padding-left: 0px; padding-right: 0px; padding-top: 5px;">View more presentations from <a href="http://www.slideshare.net/supercfo">SuperCFO</a>.</div></div><br />
For any feedback/comments, please write to us at surveys@supercfo.com.SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com0tag:blogger.com,1999:blog-3257490627440318579.post-56843054814526645882010-10-09T02:12:00.000-07:002010-10-09T02:42:53.498-07:00The financial mountain of debt<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_60NphrLBsqE/TLAxrvJhmvI/AAAAAAAAAEA/-NwQhCUpin8/s1600/Finacial+mountain+debt.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="http://2.bp.blogspot.com/_60NphrLBsqE/TLAxrvJhmvI/AAAAAAAAAEA/-NwQhCUpin8/s320/Finacial+mountain+debt.jpg" width="306" /></a></div><div style="text-align: justify;">Everyday, we hear tales in the media (mainstream, electronic, take your pick) about how consumer debt is fast snowballing out of proportions. All of this has been fueled by an increasingly consumerist culture and everyone is trying to buy everything they can no matter whether they can afford it or not. Unavoidably, as a consequence, many people will not be able to service these debts and meet their financial commitments. So what does happen to these people that give in to the financial dark side? Mortgages, loans and credit card debt; it forms the perfect trifecta that has felled many a person.<br />
It is an amazing phenomenon to see in itself. There are just so many examples to find of people that have found themselves ensnared in the web of financial difficulty, the black widow that are their creditors closing in with fangs bared. And yet there are just so many people that follow the same path only to fall into the same trap, and these financial difficulties are almost always difficult to get out of. Little wonder then that we have seen a sharp rise in the number of insolvencies and bankruptcies sweeping across the nation and the world. <br />
<br />
Give the banks and all the other financial institutions some credit; they are reasonably intelligent beings and they can begin to sense quite well when someone is not going to repay their debts in a timely fashion or maybe even at all. Many banks are now beginning to turn a profit, but that doesn’t mean that banks will turn a blind eye to not being able to recoup their money. Perhaps this can explain why many people are looking towards secured loans in order to be able to meet their financial commitments. This allows them to bring all their debts under one umbrella and make smaller monthly payments that would allow them to still meet their obligations. <br />
<br />
The thing with loans of this kind is that they are very often repaid over lengthy tenures, often running into several years and the longer these loans are the more you fork out by way of interest. If you happen to find yourself struggling to meet your financial commitments, don’t try and face up to it alone. Get yourself some sound financial advice either from companies that are setup just for this purpose or talk to a local financial counselor who can offer a solution best suited to your situation. Once you start falling behind, your lender will start to get after you and try to constantly get you on the phone and send you letters aplenty (not of the lovey-dovey kind, I’m afraid). Don’t be afraid to constantly talk to your lenders and appraise them of your situation because they will try and restructure things to give them the best chance of receiving a payment. <br />
<br />
Don’t do your best “Ostrich with head in the sand” impression (even if it does get everyone laughing at those parties you did it at) because it’s a bad idea. Not making payments will see you falling further and further back with payments and arrears will keep on swelling. But whatever you do, try to not let the responsibility of collecting your debt fall to a debt collection agency for they will aggressively pursue all options when it comes to getting that money out of you. The lucky ones run into debt collection agencies that negotiate payment plans and one off settlements, the less fortunate will find themselves bullied and intimidated. Try to make your payments if only to keep your credit score unaffected. It’s a much better course of action that just shutting your eyes to the grim reality of the situation.<br />
<br />
You may like to discuss with me about <a href="http://www.supercfo.com/">financial plan for your business</a>.</div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com2tag:blogger.com,1999:blog-3257490627440318579.post-27944458515962541592010-10-03T22:52:00.000-07:002010-10-03T23:07:23.477-07:00Payroll services for small business<div class="separator" style="clear: both; font-family: Verdana,sans-serif; text-align: center;"><a href="http://www.livingstonefg.com/images/sce/Payroll.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="http://www.livingstonefg.com/images/sce/Payroll.jpg" width="256" /></a></div><div style="font-family: Verdana,sans-serif; text-align: justify;">Where there are businesses, there are processes to be run and tasks to be taken care of. And where there are processes to be run and tasks to be taken care of, there will be people needed to run them because not everything can be automated. And where there are people running the show for your business, there will be paychecks that need to be shipped out. So you don’t have a full fledged HR department, so what? You can always look up payroll support services that will take all of the hassles of a payroll system out of your hands and into the domain of those that specialize in dealing with it. </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">There are services out there that offer payroll support services and payroll services for small businesses as well, just in case you were thinking, “oh, only the larger businesses can afford them!”. Yes, having a full fledged payroll system in place on site can be a costly affair but the fact is that you do need to have a payroll system in place to handle the payments that are meant to be disbursed to your employees. In the age of the global village though, there is no need for you to take everything on your plate; you can dismantle every aspect of your business piece by piece and outsource it to the businesses that will focus on handing it for you. </div><div style="font-family: Verdana,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Verdana,sans-serif; text-align: justify;">Payroll services, logistics, IT needs, hospitality and sanitation…you name it and there’s a company somewhere that will take it off your hands for you quite happily. So that does beggar the question then; why run a certain aspect of your business when you could do better to not handle it yourself? Yes, handling a payroll system is core to any business’ smooth running, but where is the need to keep control of it in your own hands? Services such as those offered to you by <a href="http://www.supercfo.com/" style="color: blue;">SuperCFO</a> will help you constantly monitor and deliver on your payroll requirements without ever missing a beat. It’s the simplest way to keep your employees happy and paid on time while keeping costs low thanks to off-site handling. It’s a win-win situation if ever there was one.</div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com4tag:blogger.com,1999:blog-3257490627440318579.post-48725333000279280012010-09-29T08:35:00.001-07:002010-09-30T00:51:28.008-07:00SuperCFO- Business Plan Presentation (sep2010)<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/_60NphrLBsqE/TKRBAfdaCoI/AAAAAAAAAB8/n8jvE-vhwtE/s1600/titleImage.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="136" px="true" src="http://3.bp.blogspot.com/_60NphrLBsqE/TKRBAfdaCoI/AAAAAAAAAB8/n8jvE-vhwtE/s200/titleImage.jpg" width="200" /></a></div><br />
Check out this SlideShare Presentation:<br />
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<div id="__ss_5313752" style="width: 425px;"><strong style="display: block; margin: 12px 0px 4px;"><a href="http://www.slideshare.net/supercfo/supercfo-business-plan-presentation-sep2010" title="SuperCFO- Business Plan Presentation (sep2010)">SuperCFO- Business Plan Presentation (sep2010)</a></strong><object height="355" id="__sse5313752" width="425"><param name="movie" value="http://static.slidesharecdn.com/swf/ssplayer2.swf?doc=supercfo-businessplanpresentationsep2010-100929055150-phpapp02&stripped_title=supercfo-business-plan-presentation-sep2010&userName=supercfo" /><param name="allowFullScreen" value="true"/><param name="allowScriptAccess" value="always"/><embed name="__sse5313752" src="http://static.slidesharecdn.com/swf/ssplayer2.swf?doc=supercfo-businessplanpresentationsep2010-100929055150-phpapp02&stripped_title=supercfo-business-plan-presentation-sep2010&userName=supercfo" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="355"></embed></object><br />
<div style="padding-bottom: 12px; padding-left: 0px; padding-right: 0px; padding-top: 5px;">View more <a href="http://www.slideshare.net/">presentations</a> from <a href="http://www.slideshare.net/supercfo">SuperCFO</a>.</div></div>SuperCFOhttp://www.blogger.com/profile/08677183899781758594noreply@blogger.com0