How to Get Out of a Financial Rut Joss Finance

Imagine a world that is free of financial concerns. A place where all essential needs are easily provided and there is no debt or financial hardship. You would have total freedom of choice in what you do, where you go and what material possessions you choose to surround you. Here, everything is in abundance and …

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Unethical Behavior In The Workplace Joss Finance

There is absolutely no room for unethical behavior in the professional world. This statement is exceptionally important for publicly traded companies and their accounting practices. From financial officers to accountants to auditors, and so on, there is no greater impact on stakeholders when these persons perform unethically. Unfortunately, there are multiple reasons for which one …

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Financial Planning – Five Critical Steps in Financial Planning Joss Finance

1. Gather and Prepare Your Personal Financial Situation Status Quo This kind of information can depend a lot on you as an individual, but it usually has to do with… — your investments, — your insurance policies (life, health, long-term care, property, liability, etc.), — your retirement benefits, — your tax situation (income tax, estate …

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Limitations of Financial Ratio Analysis Joss Finance

I am a big fan of ratio analysis for small business owners. I don’t have to inspire large company CFOs and Controllers to perform ratio analysis, because it is their daily bread, but I find that many small business owners have not yet gained an appreciation of what financial ratios can do for them. But …

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Financial Advisers Are Not All Equal! Joss Finance

There are several different types of financial advisers in the UK and, if you are currently looking for financial advice, it is important to you that you understand the main differences between them. Just as not all medical professionals are the same – there are paramedics, auxiliary nurses, nurses, GPs, registrars and consultants, for example …

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