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how does gross sales affect business decisions | gross sales data can influence decisions related to pricing strategies marketing campaigns and inventory management by providing insights into sales performance the bottom linegross sales is a straightforward metric that reveals a company s total revenue from sales and serves as an initial gauge of business activity ho... | |
what is gross spread | the gross spread is the compensation that the underwriters of an initial public offering ipo receive an ipo is the process of taking a private corporation public by issuing shares of stock gross spread is the difference between the underwriting price received by the issuing company and the actual price offered to the i... | |
what is gross working capital | gross working capital is the sum of a company s current assets assets that are convertible to cash within a year or less gross working capital less current liabilities is equal to net working capital or simply working capital a more useful measure for balance sheet analysis understanding gross working capitalgross work... | |
what is gross working capital | gross working capital is a company s net working capital before current liabilities have been deducted it is the value of the gross amount of current assets a company owns that can be used to satisfy its short term obligations | |
how do you calculate gross working capital | gross working capital is calculated in the same way as total current assets it is the sum of current assets including cash cash equivalents receivables to be collected within one year inventory also assumed to be sold within a year and other short term assets | |
what is the difference between gross working capital and net working capital | gross working capital reflects a company s working capital prior to subtracting a company s short term debt net working capital reflects a company s working capital after short term debt has been omitted gross working capital only includes current assets while net working capital reflects both current assets and curren... | |
what is a gross up | a gross up is an additional amount of money added to a payment to cover the income taxes that the recipient will owe on the payment the gross up is most often seen in executive compensation plans for example a company may agree to pay an executive s relocation expenses plus a gross up to offset the expected income taxe... | |
how a gross up works | grossing up a paycheck is essentially computing a paycheck but in reverse usually employees are initially paid a gross paycheck amount from which deductions are thus withheld such as taxes retirement contributions and social security and the employees are paid the remainder as net pay in a gross up situation the desire... | |
what does it mean to gross over | gross overs refer to the total amount earned before taxes are taken off | |
what is adjusted gross income | adjusted gross income agi is a measure of income used by the internal revenue service irs to asses a taxpayer s tax liability it equals your gross income minus tax deductions and adjustments to income | |
what is gross profit margin | gross profit margin is a financial metric that indicates how efficient a business is at managing its operations it is shown as a ratio that indicates the amount of a company s revenue after subtracting the cost of goods sold cogs which includes labor and materials the bottom linegross up refers to any additional money ... | |
what is gross value added gva | gross value added gva is an economic productivity metric that measures the contribution of a corporate subsidiary company or municipality to an economy producer sector or region gva provides a dollar value for the amount of goods and services that have been produced in a country minus the cost of all inputs and raw mat... | |
how does gva differ from gdp | gross domestic product gdp measures the value of all of the total goods and services produced in a country gross value added gva is the value added to these products to enhance the various aspects of them gva takes the gdp and adds to the value of subsidies paid on those products and then subtracts out taxes paid on th... | |
what is value added for companies | the term value added describes the economic value that a company grants to its products or services before offering them to customers value added helps explain why companies are able to sell their goods or services for more than they cost to produce | |
what is cash value added | cash value added cva measures a firm s profitability once the required return to investors has been met cash value added is a variation of the economic value added eva metric | |
what is gross yield | the gross yield of an investment is its profit before taxes and expenses are deducted gross yield is expressed in percentage terms it is calculated as the annual return on an investment before taxes and expenses divided by the current price of the investment | |
how gross yield works | gross yield is a measurement used for many investments including real estate fixed income and mutual funds but it is only one way to measure the return on an investment in the case of some investments such as rental property the difference between gross and net yields can be significant since the income can be substant... | |
what is a ground lease | a ground lease is an agreement in which a tenant is permitted to develop a piece of property during the lease period after which the land and all improvements are turned over to the property owner | |
how a ground lease works | a ground lease indicates that improvements will be owned by the property owner unless an exception is created and stipulates that all relevant taxes incurred during the lease period will be paid by the tenant because a ground lease allows the landlord to assume all improvements once the lease term expires the landlord ... | |
what are the disadvantages of a ground lease | some of the disadvantages of ground leases include the possibility of property loss loss of higher income due to market changes if rent increases aren t built into the agreement and tax drawbacks such as depreciation and other expenses that can t offset income | |
is a ground lease a good investment | it can be a ground lease lets a tenant build on property in a prime location they could not themselves purchase they can invest their money in improving the property on the other hand a tenant may face restrictions on what they can do with the property | |
what happens when a ground lease expires | unless you or your landlord takes specific steps to end the agreement under the lease it will simply continue on exactly the same terms you do not need to do anything unless you receive a notice from your landlord the bottom linea ground lease is an agreement in which a tenant can develop property during the lease peri... | |
what is the group of 3 | group of 3 refers to a ten year free trade agreement between mexico colombia and venezuela that began in 1995 and lasted until 2005 the pact covered numerous issues including intellectual property rights public sector investments and the easing of trade restrictions 1venezuela under the leadership of hugo chavez opted ... | |
what is the group of seven g 7 | the group of seven g 7 is an intergovernmental organization made up of the world s largest developed economies france germany italy japan the united states the united kingdom and canada government leaders of these countries meet periodically to address international economic and monetary issues with each member taking ... | |
how the group of seven g 7 works | the major purpose of the g 7 is to discuss and sometimes act in concert to help resolve global problems with a special focus on economic issues since its inception in the early 1970s the group has discussed financial crises monetary systems and major world crises such as oil shortages the g 7 has also launched initiati... | |
what is the group of seven g 7 | the group of seven g 7 is an intergovernmental organization made up of the world s largest developed economies france germany italy japan the united states the united kingdom and canada government leaders of these countries meet periodically to address international economic and monetary issues with each member taking ... | |
how the group of seven g 7 works | the major purpose of the g 7 is to discuss and sometimes act in concert to help resolve global problems with a special focus on economic issues since its inception in the early 1970s the group has discussed financial crises monetary systems and major world crises such as oil shortages the g 7 has also launched initiati... | |
what is the group of ten g10 | the group of ten g10 is one of five group of groups not to be confused with the groups of 7 8 20 or 24 each of these consists of a group with similar economic interests the g10 consists of eleven industrialized nations that meet on an annual basis or more frequently as necessary to consult each other debate and coopera... | |
what is group of 11 | the group of 11 g 11 is a group of developing countries created to ease members debt burdens to direct their resources to economic development the g 11 came into existence on sept 20 2006 and was initially conceived by king abdullah of jordan the group is mainly made up of lower middle income countries 1the g11 member ... | |
what is the group of 20 g 20 | the group of 20 also called the g 20 is a group of finance ministers and central bank governors from 19 of the world s largest economies including those of many developing nations along with the european union formed in 1999 the g 20 promotes global economic growth international trade and regulation of financial market... | |
what is the group of 30 g 30 | the group of 30 generally abbreviated to g 30 is a private nonprofit international body composed of academic economists company chiefs and representatives of national regional and central banks g 30 members meet twice a year to discuss and better understand financial and economic issues in the private and public sector... | |
what is the group of 10 economics | the group of 10 in economics is a group of 10 nations which later became 11 nations that participate in the general arrangements to borrow gab gab allows for a supplementary borrowing arrangement to be enacted if the imf s resources are below a member s needs the 11 members of the group are belgium canada france german... | |
what is the g7 | the g7 is a group of seven highly developed and wealthy nations that come together to discuss global affairs and shape global policy the member nations are the united states canada france the united kingdom germany italy and japan 11 | |
why did russia leave the g7 | russia was suspended from the g7 in 2014 when it annexed crimea from ukraine the bottom linethe g 30 is a group of individuals from various backgrounds who seek to understand the economic and financial climate of the world and how policies impact nations and people the group publishes its research and findings for all ... | |
what is a group health insurance plan | group insurance health plans provide coverage to a group of members usually comprised of company employees or members of an organization group health members usually receive insurance at a reduced cost because the insurer s risk is spread across a group of policyholders there are plans such as these in both the u s and... | |
how group health insurance works | group health insurance plans are purchased by companies and organizations and then offered to their members or employees plans can only be purchased by groups which means individuals cannot purchase coverage through these plans plans usually require at least 70 participation in the plan to be valid because of the many ... | |
what is group life insurance | group life insurance is offered by an employer or another large scale entity such as an association or labor organization to its workers or members it is fairly inexpensive may even be free for certain employees and is pretty common nationwide group life often has a relatively low coverage amount and is offered as a pi... | |
what is the purpose of group life insurance | group life insurance is a common employee benefit that provides a death benefit to the insured s beneficiaries if they die while part of the organization the purpose is to provide financial support to the families of such employees | |
what happens to group life insurance coverage after i retire | once you leave the organization group life insurance terminates either immediately or after a short grace period this includes being fired quitting changing jobs or retirement certain employees may be able to convert their group coverage into an individual policy upon retirement but the employer may not continue to pay... | |
what are the types of group life insurance | the most common type of group life insurance is group term insurance that renews yearly this type of insurance provides only a death benefit and is the least expensive option group universal life is more expensive but offers the opportunity to build cash value alongside the death benefit variable group universal life i... | |
what is group term life insurance | group term life insurance is a type of temporary life insurance in which one contract is issued to cover multiple people the most common group is a company where the contract is issued to the employer who then offers coverage to employees as a benefit many employers provide at no cost a base amount of group coverage pl... | |
how group term life insurance works | life insurance is available to 57 of private company employees and 83 of government employees through the workplace according to the u s bureau of labor statistics 1 group life insurance policies are generally written as term insurance and offered to employees who meet eligibility requirements such as being a permanent... | |
does group term life insurance provide permanent coverage | no group term life provides temporary coverage while you work for your employer or while you pay premiums through a membership association unlike permanent insurance term life does not last your entire lifetime and does not accumulate cash value am i required to pass a medical exam to apply for group term insurance mos... | |
how does basic group term life differ from supplemental insurance | employers provide a basic level of group term life insurance at little or no cost to all eligible employees supplemental coverage is optional insurance at work that employees can purchase for an additional premium if they want more coverage for themselves their spouse or their children | |
is supplemental insurance a good choice | it all depends on your insurance needs and what other coverage you already have supplemental insurance for yourself and your family members provides additional coverage beyond your employer s standard limits while supplemental insurance offers fewer options than other types of policies it can be worthwhile if your heal... | |
what is a group universal life policy | a group universal life policy is a form of universal life insurance offered to a group of people at a lower cost than what is typically offered to an individual group universal life insurance is commonly purchased by corporations that want to provide their employees with life insurance coverage these policies provide e... | |
how group universal life policies work | many businesses feature group universal life insurance as part of their employee benefits package in some cases coverage may be extended to spouses and other immediate family members of employees as well like other policies group universal life insurance pays a death benefit to the insured party s beneficiaries but als... | |
how do i get group universal life insurance | this form of permanent life insurance is typically offered by an employer as a benefit to employees one of the biggest advantages is that the cost is much lower for the customer than if they had purchased the policy on their own | |
what are some other benefits | these policies come with a cash savings benefit that earns the policyholder a minimum fixed interest rate they may be portable permitting the owner to keep the policy if they change jobs or retire | |
do group universal life insurance policies have any disadvantages | the policy is canceled when you leave or lose your job unless you have a portability option another thing is that since your employer is offering the policy you may not be able to get as much coverage as you want or need if you want to increase coverage you re probably going to have to pay more and get a medical exam c... | |
what is groupon | groupon is a website and mobile app that offers coupons cashback on purchases and group deals to consumers restaurants retailers and manufacturers use groupon deals in an effort to lure customers into their establishments or to purchase their products the word groupon is a portmanteau of the words group and coupon the ... | |
what is groupthink | groupthink is a phenomenon that occurs when a group of individuals reaches a consensus without critical reasoning or evaluation of the consequences or alternatives groupthink is based on a common desire not to upset the balance of a group of people this desire creates a dynamic within a group whereby creativity and ind... | |
what causes groupthink | janis also identified certain factors that may contribute to or exacerbate problems related to groupthink one of the key factors is group identity when there is a strong sense of shared identity group members may place a higher value on in group perspectives and disregard those perspectives from outside the group leade... | |
why is groupthink dangerous | groupthink may cause people to ignore or reject important information ultimately leading to poor decisions and errors in leadership 3 these errors can sometimes result in disaster or unethical behavior because the key decision makers are unaware of potential risks and contrarian viewpoints have been silenced groupthink... | |
how to avoid groupthink | even in highly cohesive groups there are steps that can be taken to lessen the impact of groupthink on collective decision making groupthink arises out of a natural pressure for conformity so the problem can be alleviated by assigning one member to act as a devil s advocate intentionally raising every possible objectio... | |
why is groupthink often bad | groupthink causes people to ignore or silence opposing viewpoints creating the illusion that members of the group are in agreement this may cause them to ignore potential dangers or take excessive risks in military or political situations groupthink can sometimes result in disasters or unethical actions because there i... | |
what are the symptoms of groupthink | irving janis identified eight signs that are closely associated with groupthink illusions of unanimity unquestioned beliefs rationalization stereotyping mindguards illusions of invulnerability and direct pressure on opposing views each of these signs leads members of the group to ignore dissenting viewpoints and to hid... | |
what is a growing equity mortgage gem | a growing equity mortgage gem is a type of fixed rate mortgage where monthly payments increase over time according to a set schedule rather than remaining fixed and equal over the loan term the interest rate on the loan does not change and there is never any negative amortization instead the first payment is a fully am... | |
how growing equity mortgages work | a growing equity mortgage effectively allows a borrower to accelerate repayment of their fixed rate mortgage by scheduling additional principal payments that increase over time in addition to paying off the loan early a growing equity mortgage helps to build up home equity faster that the borrower could leverage if nee... | |
what is a growth and income fund | a growth and income fund is class of mutual fund or exchange traded fund etf that has a dual strategy of both capital appreciation growth and current income generated through dividends or interest payments a growth and income fund may invest only in equities or in a combination of stocks bonds real estate investment tr... | |
what is growth at a reasonable price garp | growth at a reasonable price garp is an equity investment strategy that seeks to combine tenets of both growth investing and value investing to select individual stocks garp investors look for companies that are showing consistent earnings growth above broad market levels while excluding companies that have very high v... | |
what is a growth company | a growth company is any company whose business generates significant positive cash flows or earnings which increase at significantly faster rates than the overall economy a growth company tends to have very profitable reinvestment opportunities for its own retained earnings thus it typically pays little to no dividends... | |
what is a growth curve | a growth curve is a graphical representation how how something changes over time an example of a growth curve might be a chart showing a country s population increase over time growth curves are widely used in statistics to determine patterns of growth over time of a quantity be it linear exponential or cubic 1 busines... | |
what are the 2 types of growth curves | the two types of growth curves are exponential growth curves and logarithmic growth curves in an exponential growth curve the slope grows greater and greater as time moves along in a logarithmic growth curve the slope grows sharply and then over time the slope declines until it becomes flat | |
why use a growth curve | growth curves are a helpful visual representation of change over time growth curves can be used to understand a variety of changes over time such as developmental and economic they allow for the understanding of the effect of policies or treatments | |
what is a business growth model | a business growth model provides a visual representation for businesses to track various metrics and key drivers allowing businesses to map out growth and adjust the businesses accordingly to foster these metrics the bottom linea growth curve is a graph that represents the way a phenomenon changes over time it can show... | |
what is a growth fund | a growth fund is a diversified portfolio of stocks that has capital appreciation as its primary goal with little or no dividend payouts the portfolio mainly consists of companies with above average growth that reinvest their earnings into expansion acquisitions or research and development r d most growth funds offer hi... | |
how a growth fund works | the high risk high reward mantra of growth funds can make them ideal for those not retiring anytime soon typically investors need a tolerance for risk and a holding period with a time horizon of five to ten years growth fund holdings often have high price to earnings p e and price to sales p s multiples this trade off ... | |
what is a growth industry | a growth industry is that sector of an economy which experiences a higher than average growth rate as compared to other sectors growth industries are often new or pioneer industries that did not exist in the past their growth is a result of demand for new products or services offered by companies in the field an exampl... | |
what is growth investing | growth investing is an investment style and strategy that is focused on increasing an investor s capital growth investors typically invest in growth stocks that is young or small companies whose earnings are expected to increase at an above average rate compared to their industry sector or the overall market growth inv... | |
what are growth rates | growth rates refer to the percentage change of a specific variable within a specific time period growth rates can be positive or negative depending on whether the size of the variable is increasing or decreasing over time growth rates were first used by biologists studying population sizes but they have since been brou... | |
how to calculate growth rates | growth rates can be calculated in several ways depending on what the figure is intended to convey a simple growth rate simply divides the difference between the ending and starting value by the beginning value or ev bv bv the economic growth rate for a country s gdp can thus be computed as economic growth gdp2 gdp1gdp1... | |
how do you calculate gross domestic product gdp growth rate | the gdp growth rate according to the formula above takes the difference between the current and prior gdp level and divides that by the prior gdp level the real economic real gdp growth rate will take into account the effects of inflation replacing real gdp in the numerator and denominator where real gdp gdp 1 inflatio... | |
what is a growth stock | a growth stock is any share in a company that is anticipated to grow at a rate significantly above the average growth for the market these stocks generally do not pay dividends this is because the issuers of growth stocks are usually companies that want to reinvest any earnings they accrue in order to accelerate growth... | |
are growth stocks risky | as with all investing there is a fundamental trade off between risk and return growth stocks provide a greater potential for future return and they are thus equally matched by greater risk than other types of investments like value stocks or corporate bonds the main risk is that the realized or expected growth doesn t ... | |
what is an example of a growth stock | as a hypothetical example a growth stock would be a biotech startup that has begun work on a promising new cancer treatment say that currently the product is only in the phase i stage of clinical trials and there is uncertainty whether the fda will approve the drug candidate to continue on to phase ii iii trials if the... | |
how do you know if a stock is growth or value | instead of looking to future growth potential value stocks are those that are thought to trade below what they are really worth and will thus theoretically provide a superior return as their stock prices catch up with fundamentals unlike growth stocks which typically do not pay dividends value stocks often have higher ... | |
what is grunt work | grunt work is an expression often used to describe thankless and menial work it can also refer to jobs that may lack glamour and prestige or are dull in the context of the finance industry grunt work could entail combing through a company s financial records looking for positive and negative developments or analyzing h... | |
is grunt work useful | it can be usually grunt work is required to support higher level assumptions conclusions and recommendations you might think of it as the basis for fees your company may be able to charge successful investment results for clients and your career advancement | |
how can i deal with grunt work | if you re assigned grunt work start be acknowledging that it may be very important to your company despite being potentially boring then plan to handle it during the day when you can get the most done without interruptions let the accomplishment of your grunt work inspire your other efforts in addition keep the big pic... | |
what is the s p gsci | the s p gsci is a composite index of commodities that measures the performance of the commodities market the index often serves as a benchmark for commodities investments investing in a gsci fund provides a broadly diversified unleveraged long only position in commodity futures the s p gsci was simply called the goldma... | |
how the s p gsci works | the s p gsci is weighted by world production and comprises the physical commodities that have active liquid futures markets there is no limit on the number of commodities that may be included in the s p gsci any commodity whose contract satisfies the eligibility criteria and the other conditions specified in this metho... | |
what is guanxi | guanxi pronounced gwan ch is a chinese term meaning relationships in business it commonly refers to the networks or connections used to open doors for new business and facilitate deals the term refers not just to the existence of relationships but to their nature to having personal trust and a strong relationship it ca... | |
how guanxi works | guanxi is perhaps best understood by the old axiom it s not what you know but who you know that s important guanxi in the west comes in many forms alumni networks fraternity or sorority memberships past and present places of employment clubs churches families and friends in social sciences guanxi is similar to some con... | |
what confucian beliefs are key to guanxi | confucianism is founded mainly on the five relationships and their importance to the individual it looks to create social harmony based on these intertwined harmonious relationships and mutual courtesy in a well ordered world | |
is guanxi the same as networking | networking and guanxi have essentially the same linguistic meaning however networking in western business is a recent concept that lies relatively lightly in our culture in contrast guanxi sits deeply in china s language and culture forming the basis for virtually all social relationships | |
how do you build guanxi in china | building guanxi is usually a long term process several techniques can help do so you can begin by gaining knowledge about china s history and culture seeking formal introductions to individuals with whom you want to do business is also helpful to start relationships especially where you make a conscious effort to creat... | |
what are the downsides to guanxi | because it is so dependent on relationships guanxi taken to its extremes can cause cronyism nepotism and corruption on occasion illegal acts result from misapplied guanxi further guanxi often ignores the qualification or merit of the individual favored in other words guanxi can lead to the less qualified person obtaini... | |
what is a guarantee company | a guarantee company is a type of corporation designed to protect members from liability guarantee companies often form when non profit organizations wish to attain corporate status clubs sports associations students unions and other membership organizations workers co operatives social enterprises and non governmental ... | |
how a guarantee company works | guarantee companies are common in the united kingdom they often form to protect the assets of non profit organizations unions and membership organizations they often use the word limited in their name although they may be exempt from doing so guarantee companies are also a popular choice for property management compani... | |
what are guarantee fees | the term guarantee fee refers to the sum of money paid to the issuer of a mortgage backed security mbs by the holder this charge helps the issuer pay for administrative costs and expenses related to the security and also cuts down on any risk or loss that may arise if any of the mortgages that back the security default... | |
what is a guaranteed bond | a guaranteed bond is a debt security that offers a secondary guarantee that interest and principal payments will be made by a third party should the issuer default due to reasons such as insolvency or bankruptcy a guaranteed bond can be of either the municipal or corporate variety it can be backed by a bond insurance c... | |
how a guaranteed bond works | corporate and municipal bonds are financial instruments used by companies or government agencies to raise funds in effect they are loans the issuing entity is borrowing money from investors who buy the bonds this loan lasts for a certain period of time however long the bond term is after which the bondholders are repai... | |
what is a guaranteed death benefit | a guaranteed death benefit is a benefit term that guarantees that the beneficiary as named in the contract will receive a death benefit if the annuitant dies before the annuity begins paying benefits understanding guaranteed death benefita guaranteed death benefit is a safety net if an annuitant dies while the contract... | |
what is a canadian guaranteed investment certificate gic | a guaranteed investment certificate gic is an investment sold by canadian banks and trust companies that provides a fixed rate of return to investors gics are often purchased as retirement savings vehicles plans because they provide a low risk fixed rate of return gics are insured by the canadian government for up to 1... | |
when you buy a gic you are lending money to the bank money and getting paid interest in return | gics are considered safe investments because the financial institutions that sell them are legally obligated to return investors principal and interest even if the bank fails investors are insured for up to 100 000 canadian by the canadian deposit insurance corporation gdic 3 | |
how banks profit from gics | a bank profits from offering gics by lending out the money deposited at a higher rate than the interest it pays on gics if the bank sells mortgages at 8 interest and its gics pay 5 the bank earns 3 in profit gics offer a slightly higher return than treasury bills or t bills making them an excellent option to diversify ... | |
what is the guarantee in guaranteed investment certificates | the bank or other institution offering gics is guaranteeing that the investor will get back the principal deposit plus the promised interest payment | |
what is a guaranteed investment certificate in the u s | in the u s guaranteed investment contracts are savings vehicles issued by insurance companies not banks otherwise they work much like their canadian counterparts paying a set amount of interest for a deposit for a set length of time most of the purchasers of gics in the u s are pension funds or retirement savings plans... | |
is there a downside to the canadian guaranteed investment certificate | canada s guaranteed investment certificates are among the safest and most reliable investment choices their investors can be very confident that their money will be returned and the promised interest will be paid that said nobody is going to double their money investing in gics you re choosing safety over the potential... |
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