Going concern value

If you are selling your business as a going concern you are selling the business as an on-going trading activity.

If you are selling your business as a going concern rather than selling the individual assets of that business, you will need to be able to demonstrate to potential buyers that they will be able to walk into your business and take over without any major problems from day-one.

In accounting terms, “going concern” refers to a company’s ability to continue functioning as a business entity into the foreseeable future. If a company is not considered a going concern then it is required to disclose this fact in its financial statements or if there are any factors that may put the company’s status as a going concern in doubt.

So a buyer of a business will be extremely interested in the “Going Concern Value” aspect of the business, which is usually higher than the individual assets of the business, so long as the business is profitable and has good cash flow.

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BOJ dollar swap?


According to Breitbart:

The Bank of Japan’s decision Monday for a dollar swap accord with the U.S. Federal Reserve was welcomed by analysts, who said pumping liquidity into the banking system and helping businesses raise necessary funds are crucial to keeping Japan’s economic recovery on track.

Welcomed by analysts, in other words, it won’t work. The article goes on:

The BOJ decided on its commitment for the Fed’s program to provide dollar money to major central banks under bilateral swap accords. The recipient banks would in turn inject the liquidity into domestic money markets, where demand for dollars sharply rises as investors dump euros due to fears the sovereign debt crisis in Greece could escalate.

Interesting that the word “sovereign” comes up in this paragraph.

It gets worse:

“Everybody might have thought they were seeing another Lehman shock,” said Masamichi Adachi, senior economist at JPMorgan Securities Japan Co.

Greece is the new Lehmans? Really? Anyone who actually thought they were seeing another “Lehman Shock” needs to take Risk Management 101 again.


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Owning your own business

Owning your own business is a dream for many people and a dream that can come true if you take action.

The reasons for wanting to own your own business are many, but top of the list of reasons is usually a financial one or the desire to pursue a life long dream of being your own boss!

There is no doubt that owning your own business can be extremely rewarding and whilst a job does have its rewards, there is no ‘Value’ in a job. Let me explain – You could work for a company for any number of years and at the end of the day when you leave, you are left with nothing, except for knowledge and experience. However, if you have your own business then at the end of the day you have an asset to sell along with the knowledge and experience.

It is important that when you set about starting your own business you plan it and have in mind the concept of building value. There are thousands of businesses in the world with business owners that end up owning a job, rather than owning a business. Let m


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The Truth About Your Insurance Agent

Many consumers have tried to remain loyal in insurance by not dealing with one organization or company specific, but this practice can lead to completely pay too much for adequate insurance. Even if a person is not affected by cost, the risk of an insurer is able to serve every need is thin to none.

Many insurance agents are agents in captivity and are unable to offer insurance products for more than a different company. Accordingly, it is often necessary to ask for several estimates, which was traditionally a very boring process.

Most people are familiar with the most common types of handling like auto insurance, home insurance and life insurance. Although these types of insurance are all very different products, many consumers have only one insurer coverage for each of these categories. It has long been said that a handyman is a master of one. Many companies have their specialties that they excel in the, but provides inadequate or inappropriate products in other areas. Therefore it is necessary to obtain separate estimates for the policy more acceptable to insurance and this can be done quickly and easily.

Insurance agents are unfamiliar with Pet Insurance & it is absolutely essential for animal lovers who appreciate the opportunity to ensure that the veterinarian bills will never be a problem.


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Gluten-Free Diet

Gluten is natural protein contained in wheat seed. It is found in barley, rye, and wheat. Gluten is actually a crucial source of nutritional protein. It is also one of the main foods for vegetarian as the replacement of meat. But, as well as any other kinds of protein, it may also cause allergic to some people who are hypersensitive to this ingredient. In fact, gluten-free diet is strongly recommended for those who suffer wheat allergy, coeliac disease, dermatitis herpetiformis, and also migraine.

If you suffer one of those diseases, it’s better for you to start you gluten-free diet now. Unfortunately, this diet is quiet challenging and tough to be done. We are probably able to avoid consuming wheat and its product. But unfortunately, gluten is also found in ketchup, ice cream, and any other products. Therefore, you should be very careful in picking your food. If you are not really sure about the products sold in the supermarket, it’s better for you to buy your food supply at gluten free suppliers. You may not think that gluten-free foods are not tasty at all. You can still find so many kinds of “common” gluten-free food, such as cakes, biscuits, bread, cereals, crackers, brownies, and many others. Gluten


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