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Credit Antecedents: Background of the Principals

In most cases the best situation is one where personnel are well balanced according to experience and age. Ideally, any company or partnership should consist of two or more active members experienced in the line of business, with their particular abilities developed in different directions (sales, production, and finance). As to age, the following factors [...]

The Household Budget: Creation and Importance

With today’s struggling economy, it is essential for families to create and maintain a solid household budget. A well-planned budget lets families know exactly where their money is going every month, allowing them to keep track of their financial situation and preparing them for any financial emergencies, as well. The first step to creating a [...]

Credit Antecedents: Business Location & History of the Concern

Location The location of a business has an important bearing on the sales volume it achieves, and on transportation and other costs, and hence on its profitability. The most profitable businesses in an industry are often those with the most suitable location. Obviously, what is “suitable” varies with the line and level of business activity. [...]

Free Car Insurance From GM

General Motors (GM) is trying out a new incentive program to increase its car sales in Oregon and Washington. From now until September 6, 2011 the company is offering to pay the insurance on any new vehicle purchased in these two states. Chris Perry, vice president of GM Marketing in the United States says that [...]

Advantages of Debit Cards

Debit Cards are not actual credit cards – you have no credit. These cards are generally funded through transfers from your bank account. So, if there’s no credit, what’s the point? You can enjoy the benefits of card ownership, such as world-wide acceptance, access to ATMs worldwide, online purchasing power, and online account management, without [...]

Where is Your Next Mortgage Payment Coming From?

Interest rates have been held at an historic low of 0.5% since March 2009. The Bank of England’s Monetary Policy Committee, which meets every month to set the rate, has maintained the 0.5% rate in a bid to help the economy and also homeowners with mortgages. Many mortgage holders have benefited enormously from the low [...]

Credit Antecedents: Line of Business

A credit grantor must become familiar with the characteristics of the lines of business his/her company serves. Each line has important characteristics that bear on the credit policy of the supplier. No credit decision can be made without at least a rudimentary knowledge of the customer’s line of business. The following discussion indicates the type [...]

5 Tips for Preventing Identity Theft

Although scores of companies continue to arm themselves against identity thieves there is a constant vulnerability looming. Therefore, it is up to you to maintain constant vigilance on how you surf, what you spend and where you visit. Too many victims of identity theft assumed they were protected by the organizations they did business with [...]

What are Antecedents?

Antecedent information is the groundwork on which credit risk is evaluated. Few decisions will be made on the basis of antecedents alone, but more decisions are reached on this phase of information exclusively than on either of the other two groups. Antecedent information is divided into seven major headings: Name Line of Business Location Legal [...]

Online Shopping in Australia: Buying Digital Goods

Whilst there is a huge demand for traditional shopping in the online world there is also a huge and rapidly growing market for digital products and services thanks to the rapidly changing nature of technology and the ease of distribution and marketing that the internet has provided. There are a variety of different areas of [...]

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