레이블이 Debt to Asset Percentage인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Debt to Asset Percentage인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 30일 토요일

About 'is debt ratio a percentage'|The debt-to-equity ratio as a fishing lure







About 'is debt ratio a percentage'|The debt-to-equity ratio as a fishing lure








When               my               husband               and               I               refinanced               our               home               loans               early               this               year,               we               were               told               several               times               how               our               "credit               utilization               ratio"               was               on               the               high               side.

This               came               as               a               surprise               since               I               consider               myself               to               be               rather               shrewd               when               it               comes               to               money               matters.

Credit               utilization               ratio               is               bank-speak               for               describing               the               ratio               of               what               is               owed               on               a               credit               card               compared               to               your               available               credit               line.

This               ratio               is               so               important               that               it               actually               accounts               for               about               30%               of               a               credit               score.

In               our               situation,               our               credit               utilization               ratio               was               high               because               instead               of               spreading               our               debt               evenly               over               several               cards,               I               put               everything               on               the               card               with               the               lowest               interest               rate.

While               this               makes               sense               in               terms               of               saving               on               interest,               it               also               throws               off               the               ratio               which               impacts               a               credit               score.
               Calculating               the               Credit               Utilization               Ratio
               Calculating               the               ratio               is               super               simple.

All               that's               required               is               a               calculator               and               a               copy               of               your               current               credit               card               statement.
               1.

Divide               the               current               credit               card               balance               by               your               limit,               also               known               as               the               "credit               line"               .
               For               example,               if               you               have               a               $10,000               limit               and               have               $4800               charged               on               the               card,               divide               4800               by               10,000               to               come               up               with               .48.
               2.

Multiple               this               number               by               100               to               convert               the               fraction               into               a               percentage.
               Using               this               example               .48               becomes               48%.

Your               credit               utilization               ratio               on               this               particular               credit               card               is               then               48%.

This               exercise               should               be               repeated               on               all               your               credit               cards.
               What               is               a               good               range
               The               FICO               score               looks               at               the               credit               utilization               ratio               in               two               different               ways.

They               will               calculate               the               ratio               ~               like               you               just               did               ~               on               each               card               to               determine               an               overall               score.

Next,               they'll               add               up               all               your               credit               card               balances               and               divide               this               number               by               the               total               credit               line               for               another               score.

If               either               of               these               numbers               is               too               high,               then               your               credit               score               is               impacted               negatively.
               When               it               comes               to               a               good               range               for               a               credit               utilization               ratio,               I've               seen               answers               anywhere               from               25%               to               75%               (read               creditscoring.com               to               view               what               experts               are               saying.)               According               to               my               personal               banker               at               Key               Bank,               the               ideal               credit               utilization               ratio               in               today's               economy               is               between               30-40%.
               More               by               this               author:               
               How               Credit               Card               Management               can               Impact               a               Home               refinance.


               How               to               Get               a               Lower               Interest               Rate               on               a               Credit               Card






Image of is debt ratio a percentage






is debt ratio a percentage
is debt ratio a percentage


is debt ratio a percentage Image 1


is debt ratio a percentage
is debt ratio a percentage


is debt ratio a percentage Image 2


is debt ratio a percentage
is debt ratio a percentage


is debt ratio a percentage Image 3


is debt ratio a percentage
is debt ratio a percentage


is debt ratio a percentage Image 4


is debt ratio a percentage
is debt ratio a percentage


is debt ratio a percentage Image 5


  • Related blog with is debt ratio a percentage





    1. nakakayamot.blogspot.com/   08/28/2006
      ...Indonesia 1.3%. Even as a percentage of the national budget, at... in Asia. Debt service payments...education spending is minimal, from 2.9% in 1990...
    2. poorrichards-blog.blogspot.com/   02/19/2013
      ... collective debt of all is the U.S. national debt. In a previous article , I discussed...believe it, the U.S. debt to GDP ratio has increased from...
    3. chastisement2013.wordpress.com/   02/20/2013
      ... collective debt of all is the U.S. national debt. In a previous article , I discussed...believe it, the U.S. debt to GDP ratio has increased from...
    4. viableopposition.blogspot.com/   11/17/2011
      ...an increase in debt-to-GDP by 20 to 30 percentage points over just a three year period...2011, this situation is not expected... their ratio of government revenue...
    5. debt-restructuring.blogspot.com/   05/15/2009
      ...amount of borrowing is called the national debt in glossary as a percentage of GDP. For Personal sometime...to Bankruptcy Formula of Debt Ratio Debt ratio = Total Debt / Total...
    6. citizen-gkar.blogspot.com/   05/26/2011
      ... — will run a deficit of 7.5 percent...year, and that net debt will be 75 percent of GDP...rise in the debt ratio. Suppose that we have... 3 percentage points off...
    7. viableopposition.blogspot.com/   11/01/2011
      ... debt-to-GDP ratio. Another impact on investor...this could function as a double-edged sword. As both debt and interest rates...risk. Because that risk is rising, the...
    8. westernbelizehappenings.blogspot.com/   11/02/2011
      ...health of an economy. It is the amount of national debt of a country as a percentage of its Gross Domestic Product (GDP). A low debt-to-GDP ratio indicates an...
    9. stockmarketcookbook.blogspot.com/   04/22/2009
      ...high debt/equity ratios are considered...with little to no debt especially in... analysis A recent CNBC guest... percentage gainers...
    10. tigersandfrontiers.blogspot.com/   08/03/2011
      ...course nothing like Greece - as a percentage - but be aware. The US is... the government debt, the third the development...who saw the Debt to GDP ratio deteriorate rapidly. What is...



    Related Video with is debt ratio a percentage







    is debt ratio a percentage Video 1








    is debt ratio a percentage Video 2








    is debt ratio a percentage Video 3




    is debt ratio a percentage































    2013년 11월 23일 토요일

    About 'total assets to debt ratio formula'|...Against Hudud, Education As A Smokescreen To Hide Apartheid With, Inability of BOTH BN and PR to Declare Assets, MCA Does Not Understand Equality or the Reid Commission’s Time Limits on...







    About 'total assets to debt ratio formula'|...Against Hudud, Education As A Smokescreen To Hide Apartheid With, Inability of BOTH BN and PR to Declare Assets, MCA Does Not Understand Equality or the Reid Commission’s Time Limits on...









                   As               SAC's               business               financial               analyst,               I               have               been               tasked               with               the               duties               of               providing               the               Board               of               Directors               and               the               executive               management               team               with               the               pertinent               financial               statements               that               are               necessary               for               helping               in               the               management               of               the               company.

    Things               that               I               will               cover               are               the               statement               consists               of,               how               the               information               will               be               used               by               the               management               team,               how               it               will               help               them               manage               the               company,               its               limitations,               synopsis               of               the               company               as               a               whole               just               from               looking               at               the               data               in               these               statements.
                   The               first               area               I               will               cover               is               the               different               type               of               financial               statements               and               their               purposes.

    Financial               statements               are               a               crucial               part               of               a               company's               well               being.

    In               blatant               speech,               a               financial               statement               is               all               about               showing               the               money.

    They               actually               give               a               view               of               where               a               company's               money               is               coming               from               and               where               it               is               going,               and               the               current               state               of               it.

    In               saying               this,               at               the               minimal,               there               are               at               least               four               statements               that               are               crucial               in               answering               the               question               of               the               company's               state               of               being               on               a               financial               basis.

    They               are:               balance               sheets,               income               statements,               cash               flow               statements,               and               statement               of               the               shareholders'               equity.
                   Balance               sheets               consist               of               things               such               as               what               SAC               owns               and               what               it               owes.

    To               elaborate               a               little               further,               it               gives               more               precise               information               on               the               company's               assets               or               what               it               has               from               a               value               standpoint.

    This               ranges               from               physical               items               to               equipment               or               its               inventory.

    This               can               even               be               intangible               things               such               as               the               company's               trademarks               or               patents.

    Liabilities               are               described               as               what               the               company               owes               to               others               (i.e.

    banks,               rent,               suppliers,               employers,               taxes,               and               the               government.

    To               get               a               better               understanding               of               how               to               construct               a               balance               sheet               you               would               use               the               formula:
                   1.

    Assets=Liabilities+Shareholders               Equity               The               assets               have               to               equal               or               at               least               balance               that               of               when               the               liabilities               and               the               shareholders               equity               are               added               up.

    This               will               be               done               basically               at               the               end               of               a               reporting               period.
                   Then               there               is               the               income               statement               in               which               it               is               a               report               that               gives               a               picture               of               how               much               the               company               has               earned               over               a               period               of               time               (i.e.

    quarters,               semi-annual,               or               annually).

    It               is               made               up               of               the               costs               or               expenses               accrued               over               that               given               period.

    To               sum               it               up,               it               shows               the               company's               losses               or               net               profits.

    This               statement               is               where               the               earnings               per               share               is               reported               and               this               will               give               an               idea               of               how               much               each               shareholder               would               get               if               the               company               decided               to               or               had               to               pay               them               out.

    In               order               to               determine               this,               you               simply               take               the               total               net               income               of               the               company               and               divide               it               by               the               number               of               outstanding               shares.
                   Once               all               of               these               things               have               been               calculated               and               looked               at,               the               income               tax               is               the               final               thing               that               is               deducted               and               this               leads               to               whether               SAC               has               a               net               profit               or               net               loss               during               the               period.
                   The               third               statement               is               the               cash               flow               statement               which               deals               with               SAC's               money               that               is               flowing               in               and               the               money               flowing               out               of               the               company.

    Its               importance               is               that               the               cashflow               statement               shows               it               or               not               if               a               company               actually               generated               any               cash.

    Cash               flow               statements               look               at               three               different               activities               which               are:               its               operating               activities,               investing               activities,               and               its               financing               activities.
                   The               fourth               statement               is               the               financial               statement               ratios.

    It               consists               of               numerous               ratios               (i.e.

    debt               to               equity,               inventory               turnover,               operating               margin,               price               to               equity               ratio,               and               price               to               equity               ratio).
                   The               calculations               that               you               use               to               determine               how               these               ratios               will               be               calculated               are               listed               below:
                   1.

    Debt-to-Equity               Ratio:               Debt-to-Equity               =               Total               Liabilities               /               Shareholders'               Equity
                   The               debt               to               equity               ratio               compares               a               company's               total               debt               to               shareholders'               equity.

    These               numbers               actually               are               found               on               a               company's               balance               sheet               and               is               calculated               by               dividing               a               company's               total               liabilities               by               its               shareholder               equity.
                   2.

    Inventory               Turnover:               Inventory               Turnover               Ratio               =               Cost               of               Sales               /               Average               Inventory               for               the               period
                   This               calculation               compares               a               company's               cost               of               sales               on               its               income               statement               with               its               average               inventory               balance               for               the               period.

    To               calculate               the               average               inventory               balance               for               the               period,               look               at               the               inventory               numbers               listed               on               the               balance               sheet.

    Take               the               balance               listed               for               the               period               of               the               report               and               add               it               to               the               balance               listed               for               the               previous               comparable               period,               and               then               divide               by               two.

    In               calculating               the               inventory               turnover               ratio,               you               divide               a               company's               cost               of               sales               by               the               average               inventory               for               a               particular               period.
                   3.

    Operating               Margin:               Operating               Margin               =               Income               from               Operations               /               Net               Revenues
                   The               operating               margin               compares               a               company's               operating               income               to               net               revenues.

    These               numbers               are               found               on               a               company's               income               statement               and               is               calculated               by               dividing               a               company's               income               from               operations               (before               interest               and               income               tax               expenses)               by               its               net               revenues.
                   4.

    Price               to               Equity               Ratio:
                   P/E               Ratio               =               Price               per               Share               /               Earnings               per               Share
                   The               P/E               ratio               compares               a               company's               common               stock               price               with               its               earnings               per               share.

    This               is               calculated               by               dividing               a               company's               stock               price               by               its               earnings               per               share.
                   5.

    Working               Capital:               Working               Capital               =               Current               Assets               -               Current               Liabilities
                   The               working               capital               is               the               money               that               is               leftover               if               a               company               decide               to               pay               its               current               liabilities               or               debts               due               within               one-year               of               the               date               of               the               balance               sheet)               from               its               current               assets.
                   To               bring               all               of               the               statements               together,               they               are               all               pretty               much               related               in               a               sense.

    Changes               that               can               be               seen               in               assets               and               liabilities               are               what               you               will               see               on               the               balance               sheet               anyway               and               those               then               will               be               reflected               in               the               revenues               and               expenses               that               will               be               seen               on               the               income               statement.

    This               in               essence               will               result               in               the               company's               gains               or               losses.

    Then               as               for               cash               flows,               they               provide               more               information               about               cash               assets               that               are               listed               on               a               balance               sheet               also.

    Cash               flow               statements               are,               as               I               said               very               much               listed               on               the               balance               sheet               but               are               not               as               much               so               related               or               equivalent               to               the               net               income               that               is               shown               on               a               income               statement.

    So,               although               all               of               these               statements               are               very               crucial               in               determining               the               whole               conglomerate               of               a               company,               just               one               statement               by               itself               does               not               complete               the               process.

    It               takes               all               of               them               to               tell               the               whole               story               and               when               they               are               combined,               they               provide               very               powerful               information               for               the               company.
                   How               will               the               information               that               you               provide               on               a               financial               statement               be               used               by               the               management               team?
                   Information               that               is               calculated               on               financial               statements               have               numerous               purposes               and               can               be               used               by               different               people               ranging               from               owners               and               managers,               to               that               of               the               employees.

    This               in               essence               from               the               view               of               the               managers,               they               need               this               information               to               make               business               decisions               as               it               relates               to               the               company               and               its               business               operations.

    An               analysis               is               done               to               give               them               more               detailed               information               about               the               figures               that               were               calculated.

    This               information               is               definitely               used               as               a               major               part               of               the               annual               report               that               the               management               team               will               give               to               the               stockholders.

    They               use               information               from               income               statements               for               the               purposes               of               hiring               new               employees.

    Other               things               that               managers               are               concerned               with               when               it               comes               to               financial               statements               are               that               it               will               tell               them               if               they               can               afford               new               equipment               or               other               operating               expenses               and               even               where               they               need               to               cut               expenses               if               the               profit               for               the               company               is               relatively               low.
                   How               will               it               help               them               manage               the               enterprise?
                   When               it               comes               to               financial               statements,               they               are               very               crucial               in               many               ways.

    In               fact,               creating               regular               financial               statements               will               help               to               keep               an               accurate               count               on               the               progress               of               the               company.

    As               I               listed               earlier,               the               income               statements               and               cash               flow               sheets               are               detrimental               I               the               process.

    By               maintaining               accurate               records,               it               helps               the               company               to               know               the               trends               in               their               sales               and               expenditures               so               that               if               problems               were               to               arise,               they               can               handle               the               issues               before               they               get               to               difficult               to               manage               from               a               financial               standpoint.
                   What               are               the               limitations               of               the               information               regarding               financial               statements               that               you               provide               to               the               management               team?
                   
                   Financial               statements               have               numerous               limitations               when               it               comes               the               data               that               will               be               given               to               management.

    It               is               evident               that               these               statements               are               basically               based               on               factors               that               are               historical               I               nature.

    The               first               thing               that               limits               financial               statements               is               that               sometimes               the               financial               position               of               a               company               that               is               disclosed               is               not               correct               or               accurate               simply               because               they               end               up               leaving               some               of               the               economic               or               financial               factors               off               of               the               statement.

    In               fact,               it               may               be               that               some               of               the               social,               economic,               or               financial               factors               that               are               truly               what               are               affecting               the               company.

    The               second               thing               is               that               the               profits               that               get               revealed               on               the               profit               and               loss               statement               really               doesn't               click               in               a               sense               with               the               balance               sheet.

    (Independent,               LLC.,               2011).
                   There               is               limitation               as               well               because               there               is               a               personal               judgement               issue               on               the               behalf               of               the               financial               analyst.

    These               things               that               are               of               issue               are               things               such               as:               bad               debt               provisions,               stock               valuation,               or               a               provision               of               depreciation.

    As               I               said,               all               of               these               things               are               basically               left               on               his               shoulders               to               make               the               necessary               call.

    Another               thing               that               is               a               limiting               factor               is               that               on               the               income               statement,               it               may               not               disclose               the               true               income               of               the               business               because               of               the               fact               that               some               probable               losses               were               considered               while               the               probably               incomes               were               ignored.

    Then               there               is               the               fact               that               fixed               assets               get               shown               at               cost               less               depreciation               on               the               basis               of               just               what               the               financial               analyst               thought               was               the               right               thing               to               do.

    (Independent,               LLC.,               2011).

    With               that               being               said,               we               all               understand               that               we               are               human               and               are               very               prone               to               making               mistakes               at               any               given               time.
                   How               can               the               management               team               ensure               that               they               obtain               a               complete               picture               of               the               enterprise?
                   In               my               opinion,               I               think               that               a               company's               management               team               can               get               a               well               rounded               view               of               how               well               the               company               is               doing               first               by               making               sure               that               all               of               their               financial               statements               are               correct               and               accurate               so               that               there               are               no               discrepancies               or               conflicts               that               would               cause               them               to               lose               credibility               in               the               eyes               of               their               employees,               stockholders               and               the               like.

    Then               another               thing               that               will               help               to               ensure               this               is               that               they               should               definitely               listen               to               the               concerns               of               the               people
                   (i.e.

    customers)               whether               they               are               internal               or               external.

    Because               if               the               company               has               a               good               culture               and               the               employees,               shareholders,               and               owners               are               happy,               then               this               ensures               that               everything               is               fine               and               okay               within               the               company.
                   References:
                   Independent               Stock               Investing,               LLC.,               (2011).

    What               are               the               Limitations               of               Financial               Statements.

    Retrieved               on               August               19,               2011               from               http://www.independent-stock-investing.com/Limitations-Of-Financial-Statements.html
                   Loth,               Richard,               (2011).

    Things               that               You               Should               know               About               Financial               Statements.

    Retrieved               on               August               19,               2011               from               http://www.investopedia.com/basics/financialreport
                   Planview,               Inc.,               (2011).

    Management.

    Retrieved               on               August               20,               2011               from               http://www.planview.com/products/enterprise/ideation-management/
                   SEC,               (2009).

    Financial               Statements.

    Retrieved               on               August               19,               2011               from               http://www.sec.gov/pubs






    Image of total assets to debt ratio formula






    total assets to debt ratio formula
    total assets to debt ratio formula


    total assets to debt ratio formula Image 1


    total assets to debt ratio formula
    total assets to debt ratio formula


    total assets to debt ratio formula Image 2


    total assets to debt ratio formula
    total assets to debt ratio formula


    total assets to debt ratio formula Image 3


    total assets to debt ratio formula
    total assets to debt ratio formula


    total assets to debt ratio formula Image 4


    total assets to debt ratio formula
    total assets to debt ratio formula


    total assets to debt ratio formula Image 5


  • Related blog with total assets to debt ratio formula





    1. debt-restructuring.blogspot.com/   05/15/2009
      ...glossary as a percentage of GDP. For Personal sometime measure to Bankruptcy Formula of Debt Ratio Debt ratio = Total Debt / Total Assets For example Company A Total asses = 1 million Total...
    2. thefrugalmomma.blogspot.com/   02/01/2007
      ...ratios to keep ...give the formula, an...for each ratio. Liquidity...Formula: Liquid Assets / Monthly...Ratio Formula: Total Assets / Total Debt Our Example...
    3. coveredwriter.blogspot.com/   08/14/2007
      ...Shareholder Equity + Total ...Return on Assets (ROA) Return... able to consistently post.... The formula for ROA ...to manage its debt. The following three ratios provide a...
    4. www.freemoneyfinance.com/   02/08/2012
      ... Dave Ramsey's The Total Money Makeover as the source. I... and wanted to share them with you: 90... have credit card debt. 49% can't cover one month's...
    5. theautomaticearth.blogspot.com/   09/21/2008
      ...the so-called Level 3 assets as of June 30, according to research firm CreditSights... who shoved debt into off-balance sheet ...
    6. brontecapital.blogspot.com/   08/07/2011
      ...highly familiar with the nuance of debt covenants) and he drolly...the loan may be drawn to $50 and the other $50 has...also be included. The total investment in property, plant and...
    7. www.freemoneyfinance.com/   08/08/2012
      ...save an additional 10% of your income (for a total of 25%) for three years. If that's too...40s, you should have enough investments to be earning about half of your annual...
    8. malaysiandemocracy.wordpress.com/   05/25/2012
      ...RPK (wakakaka) for his amazing courage, assets and resources had he ...other side’ as well. And, according to my ex-MACC Deep Throat, this is still...
    9. theautomaticearth.blogspot.com/   01/01/2009
      ...infrastructure-related investment, which in China makes up 25% of total fixed-asset investment, according to Jing Ulrich, managing director of China equities at...
    10. beginnersstockinvesting.blogspot.com/   02/26/2008
      ...and the ability to service debt, return on equity, return on assets and so on. But as a beginner... game, the price to earnings ratio is a good why to...



    Related Video with total assets to debt ratio formula







    total assets to debt ratio formula Video 1








    total assets to debt ratio formula Video 2








    total assets to debt ratio formula Video 3




    total assets to debt ratio formula