Author: Julie Getty

Fury? Joshua? Another top heavyweight? What does Ngannou's boxing future look like?

Mike Coppinger talks to boxing insiders about Francis Ngannou, how he got the job done against Tyson Fury, and he shares what could be next for him in the boxing ring.

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Business Valuation

What is a Business Valuation? According to Investopedia, “A business valuation is a general process of determining the economic value of a whole business or company unit.” Basically, it determines how much your business is worth. A business valuation gives your business an objective estimate of value.  It is usually done by a professional business evaluator

Why Would You Need a Business Valuation?

The obvious reason is to determine sale value. However, you may also need one to establish partner ownership or for tax purposes.

When Do You Have to Have a Business Valuation?

Some events trigger the need for a valuation.  In these cases, it isn’t optional. You must have one when a shareholder dies, closely-held stock is given as a gift, or you need an equity compensation valuation.

You also need one when there is a dispute as to business value.  For example in the case of a shareholder dispute or a divorce. Other reasons include if you need to create an employee stock ownership plan, you are converting from a C-corp to an S-corp, a charitable contribution is made, or you have to allocate intangible asset

Equity Compensation Valuations

You need one to complete an equity compensation valuation, but they are not the same. Equity compensation is the non-cash pay representing ownership in a business.  It can include options, restricted stock, and performance shares. It allows employees to share in the profits via appreciation and can encourage retention, particularly if there are vesting requirements. To determine the value of the equity compensation, you must first have a business valuation.

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How Can a Business Valuation Change the Way You View Your Business?

Many business owners have no clue what their business is worth. Most think it is worth more than it actually is, though some may not recognize the gold mine they are sitting on. Knowing what your business is worth can change the way you view your business.  You can begin to recognize what you have to work with.

You can see potential for growth, and also get a handle on worst case scenarios if you have to liquidate quickly.  It allows you to get a handle on what you are working for, and how your previous hard work has paid off. Valuation lets you see where you stand and can help you plan for the future.  For example, if you want to retire with a certain amount and you intend for the sale of your business to help you reach that goal you must know what your business is worth.

How do you Assign Value to a Business?

There are several methods for valuing a business. They include market capitalization, times revenue method, earnings multiplier, discounted cash flow (DCF), method, book value, and liquidation value.

The Market Capitalization Method

Market capitalization refers to the total market value of a business’ total outstanding shares of stock. it’s often called the “market cap.” It is calculated by multiplying the total number of a company’s outstanding shares by the current market price of one share.Companies are typically divided according to market capitalization as follows: large cap equals $10 billion or more, mid cap equals $2 billion to $10 billion, small cap equals $300 million to $2 billion.

Market capitalizationis a quick and easy way to estimate a company’s value. It gives an idea of what the market thinks the business is worth. However, it only works for publicly traded companies. This also means, of course, that the market cap changes with changes in the market.

A simple example of the market capitalization method: Consider a business has 1 billion shares of stock outstanding. If the current market price of one share is $2, then the market cap would be 1 billion shares x $2, or $2 billion. This would put it in the mid cap range.

The Times Revenue Method

The times revenue method of business valuation applies a multiplier to revenue over a specific period of time. The multiplier depends on the industry and economic environment. For example, a tech company may be valued at 3x revenue, while a service firm may be valued at 0.5x revenue.

The times revenue method determines a maximum value, or ceiling.  You can use it to determine a range of values. You can apply the multiplier to projects to estimate future value. Again, the multiplier used depends on the industry the business is in and the current economic environment.

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Earnings Multipliers

The earnings multiplier is actually a more accurate way to get real company value than the times revenue method. This is because the earnings multiplier considers future profits against cash flow potential at the current interest rate over the same time period. Put another way, it adjusts the current price-to-earnings ratio (P/E Ratio) for current interest rates.

The P/E ratio shows the earnings per share of stock in relation to the current price of the stock. This process acts as a quick and dirty tool to help compare the cost of the stocks with other, similar companies. It can help investors judge current prices of stock in relation to historical prices.

An Example

These two methods are calculated the same way, but with different multipliers.  The revenue number may look different as well, depending on the period of time you use in the calculation. Imagine a company has an adjusted net profit of $1,000 and the multiplier is 4.

Then the value of the business is $1,000 x 4, or $4,000. To a potential buyer, this means that, as long as profits are continued at the same level, they will receive about $1,000 per year for the $4,000 investment, or a return of 25%.

The Discounted Cash Flow Method

The discounted cash flow method (DCF) is similar to the earnings multiplier. It too uses projections of future cash flows and adjusts them to get the current market value of the company.  The difference is this method takes inflation into account when calculating the present value. The goal of the DCF method is to determine the current value of an investment based on projections of how much money it will generate in the future.

The purpose of this valuation method is to get an idea of the money an investor would make from an investment. It is adjusted for the time value of money.The time value of money is the idea that a dollar today is worth more than that same dollar would be tomorrow. This is because you could invest that dollar today, but if you waited until tomorrow it would be invested one day less. Therefore it would be earning for one day less. As a result, it would not be worth as much.

To help understand the time value of money, and thus how it affects the DCF method, consider the following example. Imagine a company releases a new product on January 1st that is hugely successful. Any investors waiting until January 2nd to invest would not benefit from those first day sales. Therefore, their investment is not worth as much as if they had invested on January 1.

Book Value

Book value is simply the value of equity from the balance sheet. You get it by subtracting total business liabilities from total business assets. The book value is the total value of company assets stockholders would receive, theoretically, if the business were liquidated. Compare it to market value to help determine if stocks are over- or underpriced.

So, if a business has total assets on the balance sheet that equal $10,000, and they have total liabilities that equal $4,000, the book value of the company is $6,000. That means, if the business were liquidated, the stockholders would split $6,000 based on the number of shares they hold.

Liquidation Value

Liquidation value is a little easier to understand. It is the value of the company’s assets as they are today. Basically, it shows the cash a business would receive if assets were sold and all debts paid off today. This includes assets such as real estate, fixtures, equipment, and inventory.

It’s important to note that intangible assets are not included in this calculation of business value. Intangible assets are assets that are not physical, like goodwill and intellectual property like patents, trademarks, and copyrights.  Liquidation value will differ from book value. This is because book value uses what you paid for the assets minus depreciation, not what you could sell the asset for today.

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Which Method Should You Use?

As you may have guessed, each method can yield a different value. The method you should use depends on your purpose for the valuation. For example, if you are trying to sell your business, potential buyers will want to know the income potential of the business. You must know that as well to price the business fairly.

For pricing a business to sell, an income-based approach, like the times revenue or earnings multiplier method may work best. However, if you are trying to determine a value for a divorce proceeding, an asset method may be better.

Which asset method you want to use will depend on which side you are on. If you are receiving the money, you may prefer the liquidation method. If you are paying, you may prefer to use the book value method. This depends on the difference in what you paid for the assets and what they would sell for today.

There are no hard rules on which method you should use when it comes to selling your business. Your business will always be worth what you are willing to sell it for, and what a potential buyer is willing to pay for it. Value is calculation.  Price is a negotiation. That said, if you need a valuation for another reason, you may have to use a specific method.

Who can do a Valuation?

An official business valuation in the US must be completed by an Accredited Business Valuation (ABV) professional. This is an accreditation accountants can get for specializing in calculating the value of businesses. The certification is handled by the American Institute of Certified Public Accountants (AICPA).  To get a certification in business valuation, an accountant must (among other things), pass the required exam and meet minimum business experience and education requirements.

Of course, you can calculate the value of your business using any of these methods yourself. This is assuming you know the formulas and the numbers to plug in. But it will not stand for official purposes. Also, you run the risk of being wrong and losing out in the long run. It is definitely better to have an ABV specialist handle this.

Business Valuation: Takeaways

Business valuation assigns economic value to a whole business. There are several reasons you may need a valuation. These include pricing your business for sale, or for divorce proceedings, and some events require that a valuation be done.

It can also change the way you view your business. There are many methods for assigning value to a business. The one you choose will depend on the reason for doing the valuation. An official business valuation must be done by an Accredited Business Valuation professional.

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Financial Obligation Management UK: Putting back manage on your funds

Financial Debt Management UK: Putting back regulate on your funds

As we maintain on costs we locate ourselves swimming in the swimming pool of financial obligation. Prior to we continue, did u understand that, A short article in The Independent on Sunday just recently placed the expanding customer financial debt concern within the UK at ₤ 1 Billion.UK homeowners appear to take pleasure in a weird connection with financial obligations.

Financial debt Management UK assists you to handle your funds as well as additionally secures you from the embarrassment of financial debt struck conditions.Debt administration UK is a collection of methods and also procedures with which an effort is made to provide a break to the power of debts.Debt monitoring UK is simply a straightforward usual feeling technique, which entails some tested actions to take treatment of financial obligations in a much more organized means. When financial debts are not enabled to raise, the usage of financial debt combination finances as well as various other temporary financial obligation monitoring strategies like financial debt therapy end up being repetitive. Financial debt administration UK is handling and also controling financial obligation sensibly by minimizing or removing financial obligation as well as produce a cash money circulation that maintains you out of financial obligation.

There are different devices offered for financial obligation monitoring UK.Debt administration UK on a smaller sized range is recognized as financial obligation counselling.It entails different financial debt administration techniques-expenditure must be limited proportionately to the earnings. Financial debt administration UK strategy consists of non official settlement with loan providers to obtain your passion prices reduced, late settlement fines terminated or put on hold, as well as you financing might be expanded so you have longer to pay it off.

An additional vital device for financial obligation administration UK is financial debt loan consolidation, this car loan aids in settling the existing financial debts of consumer to one lending making the payments economical by reducing the passion prices and also even more workable. Whatever be the technique of financial obligation administration embraced, it needs to be reliable in the direction of financial obligations. The utmost objective of financial debt administration have to be to locate a lengthy enduring remedy for financial debts.

Financial obligation monitoring procedures in UK resemble those adhered to around the world.A genuine initiative at financial obligation administration in UK will basically entail maintaining ones funds in control, taking the best financial obligation from the ideal loan provider, never ever missing out on any kind of installations, staying clear of any kind of late costs and also if required, combining the financial obligation in one of the most effective means.

Financial obligation Management UK assists you to handle your funds as well as additionally safeguards you from the embarrassment of financial obligation struck conditions.Debt monitoring UK is a collection of methods and also procedures via which an effort is made to offer a break to the regime of debts.Debt administration UK is simply a straightforward usual feeling technique, which includes some tried and tested actions to take treatment of financial debts in an extra organized means. When financial obligations are not enabled to enhance, the usage of financial debt loan consolidation fundings and also various other temporary financial obligation administration methods like financial debt therapy end up being repetitive. Financial obligation administration UK is handling and also controling financial obligation sensibly by decreasing or removing financial obligation as well as develop a money circulation that maintains you out of financial debt. There are numerous devices offered for financial obligation administration UK.Debt administration UK on a smaller sized range is recognized as financial obligation counselling.It entails numerous financial debt administration techniques-expenditure must be limited proportionately to the earnings. An additional crucial device for financial obligation administration UK is financial debt combination, this funding aids in settling the existing financial obligations of customer to one finance making the payments budget friendly by decreasing the passion prices and also even more convenient.

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Pink Sheets – Investments Or Gambling On Sure Things?

Pink Sheets – Investments Or Gambling On Sure Things?

Pink Sheets and Wall Street have long since appealed to gamblers and investors. Wall Street’s version of the unwanted stocks has become big business. Investors are looking to what is commonly referred to as the “pink sheets” which list the stocks which are too small and often too much trouble for the boys on the Street to notice.

Enter into the picture a man by the name of Coulson. Cromwell Coulson bought the stock quotation service, Pink Sheets in the late nineties and since then, he has been quoted a few times as referring to the Pink Sheets as the “Las Vegas of Wall Street.” And here’s why. Companies which are relatively small with little trading action being realized have virtually no appeal to the New York Stock Exchange.

The Pink Sheets lists not only the smaller companies but also the foreign stocks. The stocks aren’t listed on the exchange and are certainly considered very volatile stocks.

Day trading quickly became known as the investor’s way to gamble years ago. Now, with the growing popularity of the Pink Sheets, investors can really go double or nothing with stocks which are more than just a little risky to the investor who needs some excitement when they are building their investment portfolios.

What investors need to realize when choosing to jump on board with Cromwell Coulson, CEO of Pink Sheets LLC, is that not only are the stocks listed on the Pink Sheets listed there for a reason but there is a very real and legitimate reason that these stocks aren’t on the more notable exchanges. Either they couldn’t make it while on the big exchanges or they weren’t there to begin with.

As one might expect, Pink Sheet stocks offer investors, for the most part, mediocre financial information on the company. Further, bleak financials of the companies listed on the Pink Sheets are often camouflaged or extremely difficult to find.

What’s more, day traders who love to jump in and out of their chosen stocks and tend to love volatile stocks will be less likely to trade on the Pink Sheets with much success if they “play the market” on these stocks as they would the stocks on the NYSE, for example.

Day traders will find the pendulum swinging both ways on stocks found on the Pink Sheets. They’ll be drawn to them because huge profits can be earned. They will definitely need to do their homework and recognize the fact that if a stock is listed on the Pink Sheets—that fact alone shows a warning will be ever-present. And traders will be very aware of the fact that because of the difference in bid and ask prices of these over-the-counter stocks, dumping the stock on short notice may be a problem, if even possible.

Still, Coulson seems to have a growing over the counter business in these stocks which no one else wants. Companies such as Delta Air Lines and Volkswagen found their homes in the OTC neighborhood. And with Coulson’s determination to see more stocks on his sheets of pink, his stocks, no matter how volatile, may begin to be considered a pretty good gamble.

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10 Online Marketing Tools to Try This Year

Online marketing is facing yet another massive evolution, where the rules of engagement are starting to change. This happens every couple of years, as customers demand something new, and companies are scrambling to adjust their brand’s tactics accordingly. New technology is often a driving force behind such changes, and this time is no exception. The… Read more »

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