For companies like Iberia Bank Corporation, the “bank note” has strings attached. Based in LA, the company owns and manages over 250 facilities (e.g., owned and leased bank branches, offices and warehouses) scattered over 11 states, with plans to expand. Managing their properties with a highly time-consuming and labor-intensive system dependent on spreadsheets and an outdated work order system was taxing and created a perpetual efficiency drain.
From Labor-Intensive to Intuitive
The company began considering a system for tracking assets that didn’t drain internal resources and had the agility to be adapted to multiple users and their particular inventory. After an intense period of research, a computerized maintenance management software (CMMS) was selected. The system selected gave Iberia Bank a tool that allowed for agile reporting of real estate, project, and facility construction status, producing enterprise-wide work orders specific relevant to each user.
The ability to intuitively track work order completions by technician, vendor and PM completions, made managing department resources significantly less-time intensive and costly. The CMMS also enabled Iberia’s Facilities Services Operations team to plan and analyze improvements more preemptively and more effectively collaborate with other departments. Iberia Bank, like many other financial institutions, has to manage expanded financial reporting on its health and operations, and continues to report increased cost-savings and efficiency in relaying state-of-the-union reports to both internal and external stakeholders. (Source: http://www.emaint.com/enterprise-asset-management)
Ever wonder how to make money with the financial markets but were worried about not being able to understand how the financial markets even work. But this can all change with the advent of binary options and their availability to everyone online these days. Binary options are a financial instrument much like stocks or foreign exchange. But the difference is that with this type of financial instrument, anyone can get involved without any previous understanding or experience. In fact, some strategies allow you to not necessarily care about the actual asset you are even staking your bet on.
The way it works is really simple. Say you think that Apple stock is going to do well in the coming quarter but really have no idea how high it will go. What you can do is simply use binary options to make money on this hunch you have. Again, you don’t need to understand the metrics of stock trading. You don’t need to understand what those suit wearing TV personalities are even saying about this stock. You just need to take what’s called an UP OPTION on the stock.
If you were to want to buy the stock, you’d need to pay around 400 or maybe even 500 to buy the stock outright. But then you’re stock with this thing that who knows if it will ever make you any cash. You are only interested in what will happen this quarter, right? So with binary options, you just stake $100 and take an Up option. With this, if the market does in fact does head higher by the end of the quarter, then you just made $80 in profit. Yes, you just made 80 in profits.
Where else can you make so much? No where. If the stock market sent the same Apple stock up even 10%, well then you’ve just made 10% on your investment. Here with binary options, a move higher by even just $1 would allow a binary options trader to make money with the same 80% profit margin. In other words, to make money with binary options, all you need is a single tick higher in order to render the trade a profitable one.
Binary options trading money making is really easy and requires very little money or effort. As you can see, the market barely needs to move in order to turn a profit. Any other financial instrument would require a massive 80% move in order to compare and this simply doesn’t happen in the stock market with major stocks. You’d need to do this over tens of stocks and get it right all the time to even begin a comparison. So it’s just not going to be anywhere near as good
Financial models can be tough for some folks funny porn . However, a few steps can make them simple to assemble and easy to complete. In fact, if you don’t have the skills to complete the work, providing this information can make completing a model a simple matter for someone with the skills. http://www.bangyoulater.com/video/funny/ a good modeler can complete a full set of spreadsheets in a day or less with these inputs.
As a principal or part of an investment group, the information you need for your financial model includes:
Item 1: Sources of income,
Item 2: Expenses,
Item 3: Capital Costs,
Item 4: Set Up Costs,
Item 5: HUD 1 Statement of Settlement Statement, and
Item 6: Debt Costs and Terms
Having identified these items, the modeler has the base information upon which the remainder of the financial model. All that remains is to identify the assumptions that connect this information together to make a multiyear set of financial projections for the investment rental property opportunity.
Next, you have to answer some assumptions:
Assumption 1: The base revenue per source of income,
Assumption 2: The increases or decreases in the source of income and at what interval,
Assumption 3: If the sources of income are by item, the number of items,
Assumption 4: The expected increases or decreases in expense items and at what interval,
Assumption 5: The timing of capital costs,
Assumption 6: The timing of any sales of assets and assumptions about that timing, and
Assumption 7: The timing of any refinancing of debt and alterations in terms if and when this occurs.
Assumption 8: Sources of Capital and the amounts of capital
Based upon this information, the investor should be able to develop working income and expense statements and pro forma projections of operations including capital uses, cash flows, and distributions. From these, the investor should be able to produce return tables, Internal Rate of Return (IRR) calculations, cash-on-cash tables and calculations, sources and uses, and balance sheets.
There are endless permutations an investor could add to the assumptions and given factors that can be applied to any project. Nevertheless, using these lists an investor can create the tables or their financial consultants can build the tables needed to create a business plan set of financial documents suitable for outside investors and lenders.
The last step that should be added to this process is a common sense review of the final produced model. The investor and his modeler should set down and examine the results by period for cash flow, income, capital costs, remaining capital in the account, expenses and so on. The examination should focus on whether or not the information makes sense. To the extent the information falls outside of reasonable, the model needs to be reexamined and changes made or the surprising results accepted as real.