Monthly Archives: December 2017

E file #income #tax #free

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#e file




You need this to get started. This basic installation includes the King James Version, King James Version w/ Strong’s numbers, Strong’s dictionary, and the Treasury of Scripture Knowledge cross-references. Download additional resources using the “Download” menu within e-Sword.

If updating e-Sword then make sure it is not already open when you run the setup, otherwise the files cannot be updated.

Help keep e-Sword available on the Internet for free! Donate Get USB Flash Drive

To download and install e-Sword on your PC, please follow these simple steps:

  • Click the top button that says “e-Sword Install”. After a little while your browser’s Save dialog appears.
  • Choose where on your hard drive you would like to save the installation file and start the download.
  • Open/Run the file (for example by opening the folder where you saved it and double-clicking the installation file). There is no need for uninstalling older versions before updating. The installation program guides you through the rest of the process. It is recommended to use the default settings for installation.

If you need help in getting started using e-Sword, visit the Training page .

Minimal system requirements:

  • Windows XP SP3, Vista or Windows 7/8/10
  • Pentium based PC (or equivalent)
  • 800 x 600 resolution or greater

e-Sword is also available for the Apple Mac, iPad, and iPhone!

Gross Profit Margin Calculator #return #income #tax

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#gross income calculator


Gross Profit Margin Calculator

Gross Profit Margin Formula:

Gross Profit Margin = Sales – Cost of Goods Sold / Sales OR Gross Profit / Total Revenue

Gross Profit Margin Definition

The Gross Profit Margin Calculator will instantly calculate the gross profit margin of any company if you simply enter in the company s sales and the company s cost of goods sold (COGS).

How do you use gross profit margin to make business decisions? Many business owners will use gross profit margin calculations to help them price their products, track changes over time, and even take a closer look at some of the various cost factors that go into the cost of goods sold number that is input into the calculation to arrive at the gross profit margin calculation.

The gross profit margin calculation can be done manually by first taking the total revenue or total sales of the company and then subtracting the cost of goods sold (COGS) to arrive at the gross profit number and then taking that gross profit number and dividing it by the total revenue or total sales number. Of course, our free online gross profit margin calculator does the calculations instantly for you so all you have to do is just enter in the total sales and the COGS above and press the calculate button.

How to Calculate Gross Profit Margin

Let’s be honest – sometimes the best gross profit margin calculator is the one that is easy to use and doesn’t require us to even know what the gross profit margin formula is in the first place! But if you want to know the exact formula for calculating gross profit margin then please check out the “Formula” box above.

Add a Free Gross Profit Margin Calculator Widget to Your Site!

You can get a free online gross profit margin calculator for your website and you don’t even have to download the gross profit margin calculator – you can just copy and paste! The gross profit margin calculator exactly as you see it above is 100% free for you to use. If you want to customize the colors, size, and more to better fit your site, then pricing starts at just $29.99 for a one time purchase. Click the “Customize” button above to learn more!

Net to Gross Paycheck Calculator #tax #return #e #filing

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#gross income calculator


Financial Calculators from

Net to Gross Paycheck Calculator

This calculator helps you determine the gross paycheck needed to provide a required net amount. First, enter the net paycheck you require. Then enter your current payroll information and deductions. We will then calculate the gross pay amount required to achieve your net paycheck. This calculator uses the 2016 withholding schedules, rules and rates (IRS Publication 15).

Javascript is required for this calculator. If you are using Internet Explorer, you may need to select to ‘Allow Blocked Content’ to view this calculator.

For more information about these these financial calculators please visit: Dinkytown Financial Calculators from KJE Computer Solutions, LLC

We estimate a gross paycheck of GROSS_EARNINGS1 will net DD_CURRENT8.

Based on your inputs, a gross paycheck of GROSS_EARNINGS1, will have TOTAL_DEDUCTIONS1 in total deductions. This leaves you with a net paycheck of DD_CURRENT8. Please see below for a detailed breakdown of your estimated deductions. **GRAPH**

Net to Gross Paycheck Calculator Definitions

Required net paycheck This is the net paycheck you would like to have after any paycheck deductions.

Pay period This is how often you are paid. Your selections are: Weekly (52 paychecks per year), Every other week (26 paychecks per year), Twice a month (24 paychecks per year), Monthly (12 paychecks per year), and Annually (one paycheck per year).

Filing status This is your income tax filing status. The choices are “Single” and “Married.” Choose “Married” if you are married or file as “Head of household.” Choose “Single” if you file your taxes as a single person or if you are married but file separately.

Gross pay This is your gross pay, before any deductions, for the pay period. Please enter a dollar amount from $1 to $1,000,000.

Number of allowances When your Federal income tax withholdings are calculated, you are allowed to claim allowances to reduce the amount of the Federal income tax withholding. In 2016, each allowance you claim is equal to $4,050 of income that you expect to have in deductions when you file your annual tax return. The number of allowances you should claim depends largely on the number of dependents you have and your itemized deductions. This calculator allows from 0 to 99 allowances.

401(k)/403(b) plan withholding This is the percent of your gross income you put into a taxable deferred retirement account such as a 401(k) or 403(b). While increasing your retirement account savings does lower your take home pay, it also lowers your Federal income tax withholdings. The impact on your paycheck might be less than you think. While your plan may not have a deferral percentage limit, this calculator limits deferrals to 80% to account for FICA (Social Security and Medicare) taxes. Please note that your 401(k) or 403(b) plan contributions may be limited to less than 80% of your income. Check with your plan administrator for details. For 2016, the maximum contribution to a 401(k) or 403(b) is $18,000 per year for individuals under 50 and $24,000 for individuals 50 or older.

Employee paid health insurance Health insurance premiums deducted from your pay. Do not include any amounts paid directly by your employer. Your health insurance premiums are not subject to FICA or Medicare taxes.

State and local taxes This is the percentage that will be deducted for state and local taxes. We take your gross pay, minus $4,050 per allowance, times this percentage to calculate your estimated state and local taxes. Please note, this calculator can only estimate your state and local withholdings. The tax rate displayed is an assumption that may or may not be relevant to your situation.

Other pre-tax deductions Enter any other deductions that is made with pre-tax income. This amount will not be subject to income taxes, but is taxable in regards to require FICA and Medicare.

Post-tax deductions Enter any payroll deductions made by your employer that are made with after-tax income.

Post-tax reimbursements Enter any reimbursements made by your employer that are after-tax.

Year-to-date earnings Your current year gross earnings that were subject to FICA taxes (Social Security tax and Medicare tax). This total should not include the current payroll period or any income from other sources or employers. We use this amount to determine if you are required to have Social Security tax or additional Medicare tax withheld for the current payroll period. Typically, this is your gross earnings minus employer paid health insurance and any Flexible Spending Account (FSA) contributions. In 2016, year-to-date earnings is not required or used for incomes under $118,500 per year, or if your current year-to-date earnings plus your current payroll does not exceed $118,500.

Social Security tax For 2016, Social Security tax is calculated as your gross earnings times 6.2%. For 2016, incomes over $118,500 that have already had the maximum Social Security tax of $7,347 withheld will not have additional withholdings. Please note that if you have other wages or employers this calculator does not make any assumptions as to the total Social Security tax withheld for the current year other than the actual inputs for this calculator. This tax is also referred to as the Federal Insurance Contributions Act Old Age Survivors and Disability Insurance (FICA OASDI).

Medicare tax Medicare tax is calculated as your gross earnings times 1.45%. Unlike the Social Security tax, there is no annual limit to the Medicare tax. Starting in 2013, an additional Medicare tax of 0.9% is withheld on all gross earnings paid in excess of $200,000 in a calendar year. If you enter an amount for the year-to-date gross earnings, this additional Medicare tax will be calculated based on the current period’s gross earnings that exceed the annual $200,000 threshold. If no year-to-date amount is entered, any additional Medicare tax withholding will be calculated only for any gross earnings in excess of $200,000 for the current payroll period. If year-to-date wages prior to the current payroll period have exceeded $200,000, the year-to-date wages must be entered to calculate an accurate additional Medicare tax.

Federal tax withholding calculations Federal income tax withholdings were calculated by:

  1. Multiplying taxable gross wages by the number of pay periods per year to compute your annual wage.
  2. Subtracting the value of allowances allowed (for 2016, this is $4,050 multiplied by withholding allowances claimed).
  3. Determining your annual tax by using the tables below (single and married rates, respectively).
  4. Dividing the amount of tax by the number of pay periods per year to arrive at the amount of federal withholding tax to be deducted per pay period.

Single Withholding Rates 2016*

Annual taxable income between these amounts

Withhold additional % of income over this amount

The Best Financial Calculators Anywhere!

Turn Any Passion into a Thriving Business #e #income #tax #return

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#extra income


Become a Wealthy Affiliate.

Get Started Now!

Choose an Interest

What interests you? We all have a hobby or something that gets us excited and motivated when we think about it. There are millions of different ideas that you could potentially tap into online and we are going to help you come up with your very own “topic” within Wealthy Affiliate.

Let’s say for example I was interested in “basketball shoes”. That could be the start of my idea for my website and what my business is built off of. There are 2.8 billion people online and regardless of the topic you choose, you can be very successful online!

This can be absolutely anything that interests you and we even have pre-selected topics and training on how to narrow down your topic within Wealthy Affiliate. The goal is to have FUN with what you are doing. When you choose a passion, success is much more likely to follow.

Get Started Now!

Build a Website

Building your very own website is SIMPLE within Wealthy Affiliate. The process takes less than 30 seconds to build a beautiful looking, revenue ready website. This is going to be the foundation of your business and what will ultimately lead to a successful venture.

In a matter of seconds, you will have your own website up and you can choose a design that appeals to you..

In my case I will be able to build my very own “basketball shoes” website. This is going to be the foundation for my business and where I will be able to write about, review, and discuss everything related to my topic.

Attract Visitors

Your goal before you try to make money with any website is to focus on getting actual people to that website. Without people, you have no business so this is a critical stage.

Within the first few lessons at Wealthy Affiliate you are going to be learning all about the most current traffic techniques and how you can get an ABUNDANCE of relevant customers to your website through rankings in all the search engines. like Google, Bing & Yahoo.

More People = More Opportunity!

In the case of my “basketball shoes” website, I am going to focus on getting people that are interested in this particular topic to my website. This is very easy to do and we teach you the exact process within Wealthy Affiliate.

Get Started Now!

Earn Revenue

Once you have an audience (traffic), you can promote products and services through special programs called “affiliate programs” which are free to join. These allow you to promote pretty much anything you can imagine without having to own or create the product yourself. No inventory. No shipping.

You send the traffic to the company website, they pay you a commission of up to 75% if your visitors buy something.

There are MILLIONS of products/services that you can promote as an affiliate.

For example, there are over 32,723 different types of “basketball shoes” on Amazon alone, and you can earn commissions for promoting any one of them.

Once you understand how the “initial” process works and how to get traffic, there are MANY more ways in which you can make money from your website. We teach you all about the proper techniques to build, and scale your business at Wealthy Affiliate.

You Are Seconds Away From Starting Your Own Business!

Absolutely everything you need to start, create, and grow a successful business online is included at Wealthy Affiliate. We cater to all levels of experience, someone with zero knowledge to someone with years of success online, we can help.

Wealthy Affiliate is the most active, engaging and helpful community of over 580,000+ members, and growing! We want YOU to be one of our next success stories and know you will absolutely love Wealthy Affiliate.

And best of all, it is completely FREE to get your business rolling. This includes access to our famous “Getting Started” training course, TWO beautiful websites with hosting, live help and support, and access to 10,000’s of community discussions.

Sound like something you are interested in being part of?

Tax India, Indian Income Tax, Income Tax India #earn #extra #income #online

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#india income tax


Tax India

Indian income tax laws have various rules and regulations, and these are amended time to time. Hence, understanding these laws has become more complex, and one might ultimately end up paying much more taxes. However, there are various exemptions prescribed for certain investment options in the tax laws prevailing in India. If you are an Indian tax payer, and want to save your money spent on taxes, you need to know income tax laws in India thoroughly. You must also know the best available investment options in India. Tax4india would definitely direct you to all the information you wanted to know about tax, and also the best investment options available in the country.

‘Tax 4 India’ guides you on anything and everything related to the Indian tax system, and keeps you updated with the latest information. Our ‘India Tax System’ section explains various types of taxes prevailing in India, and their prerequisites. Here you can get information about tax laws related to income tax, wealth tax, service tax, etc. It also updates the amendments made to these laws. This section not only covers the tax rules and regulations, but also gives information about deductions and prerequisites. ‘India Tax System’ also covers provisions in law related to salary, perquisites, retirement benefits, capital gains, house property, TDS (Tax Deducted at Source). However, scope of this section is not limited to information about provisions in the income tax act. This section covers all basic concepts, amendments in Indian tax laws, and how money can be saved by investing in the framework of Indian tax laws.

The next segment ‘Investment in India’ answers all your queries regarding all the investment options available in India along with their comparison. For example, mutual funds, saving schemes, investment in art etc. It helps a tax payer to choose the investment option suitable to him/her. It also covers the financial planning process, portfolio management, derivatives etc. Hence, it covers the basic concepts which you must be aware of whilst dealing in Indian stock market. Not only this, it also includes information about foreign direct investments in India.

Other than these two segments, we have segments like ‘Finance and economy in India’, ‘Banking’ and ‘Indian law’. ‘Finance and economy in India’ details the basic information about the important pillars of Indian economy like the Reserve Bank of India, money market, stock market etc. However, this segment is not only limited to that, but also includes some basic concepts about Indian economy and the financial markets in India. If you would like to invest your money in India, you need to know and understand these concepts before investing, in order to have profitable investments. Banking in any country is inseparable from the economy of that country. ‘Banking’ segment covers all the information about the role of the banking sector in Indian economy. The fact is that banking is one of the most important factors when it comes to investment. For example, if an individual plans to invest in Indian stock market, he/she needs to open a DMAT account with a bank to start their transaction. Under the ‘Indian Law’ segment, you will get information about the laws in India related to tax and investment.

Disclaimer: Tax 4 India website should not be construed as an exhaustive statement of the Indian tax law or any other law. In case of doubt, users are requested to refer to the relevant provisions of the Income Tax Act, 1961 and the Income Tax Rules, 1962.

Income Tax Slab For Women 2016-17 #insurance #premium

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#income tax slab


India Income Tax Slabs 2016-17 for Women

1% of income-tax and surcharge

  1. Rebate under section 87A – A resident individual (whose net income does not exceed Rs. 5,00,000) can avail rebate under section 87A. It is deductible from income-tax before calculating education cess. The amount of rebate has been changed to Rs. 5000 from Rs. 2000.
  2. Surcharge – Surcharge is 10 per cent of income-tax if net income exceeds Rs. 1 crore. It is subject to marginal relief (in the case of a person having a net income of exceeding Rs. 1 crore, the amount payable as income tax and surcharge shall not exceed the total amount payable as income-tax on total income of Rs. 1 crore by more than the amount of income that exceeds Rs. 1 crore).
  3. Education cess – It is 2 per cent of income-tax and surcharge.
  4. Secondary and higher education cess – It is 1 per cent of income-tax and surcharge.
  5. Alternate minimum tax – Tax payable by a non-corporate assessee cannot be less than 18.5 per cent (+SC+EC+SHEC) of adjusted total income as per section 115JC

Today, every person is worried about saving income tax, by making the right tax saving investment within the last 2 months of the financial year. As per the income tax act established in 1961, every person in India whose annual income crosses the maximum exemption limit will have to pay income tax. Every person has to pay income tax to the state and central government.

There are two types of income tax:

  1. Direct Tax: Direct tax is a tax that is directly collected from the taxpayer. For instance: wealth tax, income tax, etc.
  2. Indirect Tax: Indirect tax is paid by the third party i.e. VAT tax, service tax. Service tax is mainly charged to the individual. For example, if an item price is Rs 150, then its last price would be Rs 110 after VAT and this extra price of Rs 10 will be paid by the person.

Tips to save your tax:

  1. Insurance: Buy an insurance plan to save income tax.
  2. House rent: If you are staying on rent then, you can add the rent to take the rebate on income tax.
  3. Travelling expenses: If you are using your own vehicle, then you can show the travelling expenses to take the rebate on income tax.

Different Tax Slabs

Pro forma #information #on #life #insurance

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#pro forma income statement


pro forma

pro forma

A general term for a fill-in-the-blank form e.g. in diagnostic pathology which can serve as an aide memoire of items that must be included in a final report to maximise its utility to end users.

pro forma, (pr f r m ) ,

adj pertaining to financial statement that shows the way that the actual statement will look if certain specified assumptions are realized. Pro forma statements are usually a future projection.

Link to this page:

This objective is achieved primarily by applying pro forma adjustments to historical financial information.

To address the concern that managers may be using pro forma earnings to manage expectations or to mislead investors, the leading securities commissions in Canada and the U.

The message is clear: for pro forma measures to be useful, management must present them clearly as part of the complete disclosure package, and investors must use them in this manner.

It also said that pro forma results should be viewed with “appropriate and healthy skepticism.

Macrovision Solutions Corporation provides non-GAAP or Adjusted Pro Forma information.

Pro forma broadcasting revenues, which include Captivate, were down 4.

Shares used in computing Pro forma net income per share, was based upon an average of 4,669,000 shares outstanding for 1995.

The pro forma non-GAAP expected results are a supplement to the expected financial results based on generally accepted accounting principles (“GAAP”).

The increase in pro forma revenue over 1993 was due in part to the acquisition of Chesterfield Towne Center on July 21, 1994.

Since management anticipates that approval will be obtained, financial results are reported accordingly on pro forma basis.

30, respectively, a decrease from pro forma earnings per share of $.

08 per pro forma share) compared to last year’s $313,000 ($.

Internal Revenue Service Phone Numbers #income #tax #dept

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#internal revenue service forms


I do not answer specific tax questions over the phone unless you are a current client. If you need a specific question answered, here are the phone numbers to call.

(Remember, this is free advice. Hope and Pray that you get more than what you paid for!)

Internal Revenue Service Phone Numbers

8 00-829-1040 For individual and joint filers who need procedural or tax law information and/ or help to file their 1040-type IRS Tax Help Line for individual returns (including Individuals| Schedules C and E); and, general account information for Form 1040 Filers. Automated Self-Service Interactive Applications are also offered on this line.

800-829-4933 For Small Businesses, Corporations, Partnerships and Trusts who need information and/or help related to their Business Returns or Business and Specialty (BMF) Accounts. Services cover Tax Line [new]Employer Identification Numbers (EINs), 94x returns, 1041, 1065, 1120S, Excise Returns, Estate and Gift Returns, as well as issues related to Federal tax deposits.

800-829-1954 For 1040-type Individual and Joint Filers who need to check the status of their current year refund. Automated Refund Self-Service Interactive Refund Hotline [new] Applications are offered on this line NOTE: The Where’s my refund? automated self- service feature is also available 24/7 at to obtain refund status information.

800-829-3676 For individuals, businesses and tax practitioners who need Forms and Publications IRS tax forms, instructions and related materials and tax publications.

877-777-4778 For taxpayers, whose tax problems have not been resolved through normal channels. Taxpayer Advocate Service (TAS) provides a National Taxpayer independent system to assure Advocate’s Help Line that tax problems are promptly and fairly handled. TAS operates independently of any other IRS office and reports directly to Congress through the National Taxpayer Advocate.

800-829-4059 For hearing impaired taxpayers who need tax law and/or procedural information Telephone Device for relating to filing their the Deaf (TDD) returns or who need information and/or assistance relating to their accounts.

888-912-1227 For citizens who want to provide ideas and suggestions on how to improve IRS services Taxpayer Advocacy Panel or who want to make recommendations for improvement of IRS systems and procedures.

800-555-4477 For taxpayers who want to pay business or individual taxes through electronic funds or Electronic Federal Tax transfer. The EFTPS Toll-Free 800-945-8400 Payment System (EFTPS) numbers can provide callers Hotline with EFTPS enrollment forms, instructions and customer assistance.

877-829-5500 For taxpayers who need tax information or assistance relating to Tax Exempt or Tax Exempt – Government| Government Entities, Tax Entity (TEGE) Help Line, Exempt Bonds, Employer /Employee Pension Plans or Indian Tribal Agreements

800-829-4477 For individuals who need to check the status of their current year refund or who want to use the Tele-Tax System want to listen to recorded tax information. Available 24 hours a day, seven days a week.

888-796-1074 For individual filers who want a extension to File to submit an Extension to File Tele-File System for a 1040-series return via telephone.

State of California Phone Numbers

The State of California is not as friendly as the IRS. Here is the number they give you;

Get recorded answers, in English and Spanish, to common questions about California taxes and Homeowner and Renter Assistance 24 hours a day, seven days a week. Call:

  • (800) 338-0505 or (916) 845-6600 – use touch-tone telephone

To irritate them I am giving you this following phone number. You may want to know why you can not call them, so call and ask them why?

If you have questions regarding their policies or other FTB issues, call (916) 845-7700.

Free Downloadable Excel Pro Forma Income Statement for Small and New Businesses #online #income #tax

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#pro forma income statement


(1) Take note that a large part of the 2010 purchases remains on hand, which amounts to $62,537 while the projected sales for 2011 are targeted at $53,637.

(3) In addition, the entrepreneur should be on the lookout for the latest products but test their viability first, before fully stocking-up on them.

(4) In the event that poor-selling products will still remain unsold, the owner should sell them at a discounted price before the year ends.

(5) The estimate for future stock purchases should be limited by the equivalent cost of goods sold for the 2011 projected sales.

(6) In determining the estimated cost of goods sold, calculate the purchase cost by dividing projected sales at 120%, assuming that the mark up on prices is at 20%. For this purpose we arrived at the amount of $44,698, based on this computation: [$53,637/1.20 or (120%/100%)]

(7) Hence some of the funds for purchases should come from selling the slow-moving goods, and provide only a minimal amount of additional purchases for 2011. However, in actual practice, one can always go beyond the projected amount if the demand for the new product has a good turnover rate.

(8) Remember, these are only guesses but the accounting principle of conservatism should be observed – thus, we project $5,000 only for additional purchases. This may increase but will depend on the viability of the items.

(9)Post $5,000 to cell J19

Please continue on page 2 for more on working with the Excel Pro Forma Income Statement

As you continue to work with the Excel Pro Forma Income Statement, you will also consider:

Cell J20 will automatically add the values in cells J18 and J19; hence there is no amount to post.

Stock Inventory – Year End

(1) Since we made it a point to limit our cost of goods sold to $44,698, our estimated inventory will be the difference between the total goods available for sale ($67,537) and the cost of goods sold ($44,698), which is $22,839.

(2) Stock Inventory at year-end is expected to dwindle down to $22,839 by selling the slower-moving goods at discounted prices and by limiting the purchases.

(3) Post $22,839 to cell J21

Cost of Goods Sold – The amount for cell J22 is automatically generated.

Gross Profit (Loss) – The amount for cell J24 is automatically generated; Net Sales (J15) less Cost of Goods Sold (J22).

(1) You will notice that our historical figures resulted in a net income at near break-even point. This was made possible by working out the operating budget within the boundaries of the gross profit margin.

(2) Our projection, so far, shows that the current estimates for sales and cost of goods sold resulted in a higher gross profit margin of $8,439 compared to that of 2010’s $7,492.

(3) To project the operating costs for 2011, maintaining the operating expenses within the amount of the 2010 historical operating costs will result in a likely chance of realizing a minimal income.

(4) Going beyond the historical costs would result in another break-even year or even a possible net loss.

(5) To drive our point, we will be using the 2010 amounts of operating expenses for our 2011 projections.

(6) Post the individual operating expenses to cells J29 through J37.

The entire 2011 projections will result in the realization of a minimal income. The amount in cell J41 was, again, automatically generated by deducting the value of cell J39 from J24.

For your own business projections, continue with the 2012 to 2014 by basing your next plans of action on the outcomes. However, evaluate the results of the projected income and expenses for 2011 and the years thereafter before doing so. Read the summary about our analysis and suggestions for our business example.


The main problem in our business example is the large amount of slow-moving stock inventory. This is often the pitfall of small-scale entrepreneurs as they are enticed by suppliers and dealers into stocking up on goods without first testing their viability in the business market and location.

However, the business owner will not realize the effects of the non-moving merchandise if he does not make future projections using an Excel pro forma income statement. In our example, the business owner will come to realize that he cannot hope for some notable improvement in next year’s operations because the business is still saddled with poor- to-moderately performing goods. Money remains tied up in those goods; hence the owner will be constrained to sell them at discounted prices, if only to recover their costs.

In the meantime, the entrepreneur may also consider infusing more capital funds in order to stock up on fast-selling items. This time, however, there should be a careful estimate on the quantity and the rate of turnover.

In using this Excel pro forma income statement for future projections, the results can readily show if you can afford to sell on credit or not. Some entrepreneurs think of credit sales as a good marketing move, but without totally evaluating their earning capacity and what makes up their resources. Future projections may only be guesses, but they are often based on real premises.

Free File Downloads and Software Discussion #loss #of #income #insurance

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#free file


Browse Fileforum

Highest Rated

Virus Definitions

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Windows Media Creation Tool will allow you to download the Windows 10 ISO directly from Microsoft, without having a product key. You can use it to clean install or Upgrade to Windows 10. It can be used to download the following editions of Windows 10 – Windows 10 Home, Windows 10 Home N, Windows 10 Home Single Language, Windows 10 Pro and Windows Pro N.

Today’s Hot Files

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LibreOffice is a productivity suite that is compatible with other major office suites, and available on a variety of platforms. It is free software and therefore free to download, use and distribute.

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Vivaldi is a new Web browser from the founders of the original Opera Web Browser. Vivaldi will adapt as you browse the web. A clean and modern interface to complement the content you are browsing. It’s also highly customizable – don’t like the tabs on top? Simply put them where you want, bottom, left or right.

netjukebox is a Web-based Winamp/httpQ media jukebox offering a number of features including the ability to play music and video from any computer in a network. Features real-time MP3/OGG streaming from different audio formats.

Multiple Platforms / Open Source

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BurnAware products allow users to burn CD, DVD and BD discs with data, audio and video in a simple and hassle-free manner. These disc burning tools are intended for users seeking balanced, lightweight and easy to use burning tools for everyday use.

BurnAware Free is a full-fledged, easy-to-use, free burning software which allows users to write all types of files such as digital photos, pictures, archives, images, documents, music and videos to CDs, DVDs and Blu-ray Discs.

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Waterfox is a 64-Bit version of Firefox. The Firefox source code is taken and compiled to run specifically for 64-Bit Windows computers. To make Waterfox stand out a bit more, it’s compiled with optimizations so that it will run more efficiently and faster than just compiling Firefox as a 64-Bit program.

Windows / Open Source

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Xirrus Wi-Fi Inspector allows you to quickly and easily gain visibility into your network. This software is designed to provide real time monitoring of wireless network status, and help ensure you are getting the highest performance available from your wireless network. Supports the latest Wi-Fi standards, including 802.11ac Wave 1 and Wave 2 technology.

(September 7 – 11:37 AM ET)

Dictionary .NET is a tiny, easy and smart multilingual dictionary translating from/to 60 languages using Google’s services. Integrates Google Dictionary, Translate, Search, Suggest 4-in-1 without installing them. Auto-detect any languages; Dictionary; Translate; Search with just One-Click or a Hotkey. A standalone tool that does not require installation.

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XYplorer is a tabbed file manager for Windows. It features a powerful file search, a versatile preview, a highly customizable interface, optional dual pane, and a large array of unique ways to efficiently automate frequently recurring tasks. It’s fast and light, it’s innovative, and it’s portable.