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The Debt $4.99 The Debt |
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In Debt To $9.99 In Debt To |
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Debt Debt $12.49 Debt Debt |
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External Debt : Definition, Statistical Coverage and Methodology $11.7 No Synopsis Available |
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Definition $8.99 Definition |
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The DEFinition $6.49 The DEFinition |
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The Global Debt Bomb $33.4 Within a historical perspective, Clayton clearly explains the "culture of debt" -- its definition, how it got to be such a major burden, why we can't live without it, and ways to manage it better. |
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Revolution Will Not Be Funded $24.66 A massive and largely unregulated industry, the US non-profit sector is the world`s seventh largest economy. From art museums and university hospitals to think tanks and church charities, over 1.5 million organizations of staggering diversity share the tax-exempt 501(c)(3) designation, if little else. Many social justice organizations have joined this world, often blunting political goals to satisfy government and foundation mandates. But even as funding shrinks and government surveillance rises, many activists often find it difficult to imagine movement-building outside the nonprofit model. The Revolution Will Not Be Funded gathers original essays by radical activists from around the globe who are critically rethinking the long-term consequences of this investment. Together with educators and nonprofit staff they finally name the "non-profit industrial complex" and ask hard questions: How did politics shape the birth of the non-profit model? How does 501(c)(3) status allow the state to co-opt political movements? Activists or careerists? How do we fund the movement outside this complex? Urgent and visionary, The Revolution Will Not Be Funded is an unbeholden expos¿ of the "non-profit industrial complex" and its quietly devastating role in managing dissent. |
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Debt $32 Before there was money, there was debt Every economics textbook says the same thing: Money was invented to replace onerous and complicated barter systems—to relieve ancient people from having to haul their goods to market. The problem with this version of history? There’s not a shred of evidence to support it. Here anthropologist David Graeber presents a stunning reversal of conventional wisdom. He shows that for more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods—that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors. Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like “guilt,” “sin,” and “redemption”) derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it. Debt: The First 5,000 Years is a fascinating chronicle of this little known history—as well as how it has defined human history, and what it means for the credit crisis of the present day and the future of our economy. From the Hardcover edition. |
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Life and Debt $13.99 Life and Debt |
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The Debt OST $11.49 The Debt OST |
Business Loans Glossary: Part 2 - Debtor Finance to Insolvency by Mark Blayney
The second part of this four part plain English guide to business loans and finance raising covers 'debtor finance' through to 'insolvency'.
Debtor finance - Funding based on raising finance against your debtor book through factoring or invoice discounting.
Deferred consideration - Where a seller of a business allows the buyer time to pay the purchase price.
Depreciation - Writing off the cost of a fixed asset to the profit and loss account over time.
Disallowed - Debt that is not available for factoring or invoice discounting (for example because it is too old).
Discounted Cashflow - The value of money to be received in future periods, discounted back to its equivalent today (as money to be received at some future date is by definition less certain and therefore less valuable than cash in hand now).
Dividend - Payment to shareholders out of the company's profits.
Dividend policy - A company's approach as to whether to pay dividends to shareholders or to retain profits within the business.
Drawdown - See availability.
Due diligence - A buyer's process of undertaking a detailed investigation and review prior to completing a purchase.
Earn out - Where the price to be paid for a business is determined by its subsequent performance.
EBIT - Earnings before interest and tax. The underlying profit from trading before it is affected by the business's tax status or financing. (earnings is an American term and the UK equivalent is PBIT - profit before interest and tax.)
EBITDA - Earnings before interest, tax, depreciation, and amortisation, used as a measure of the cash generated by trading activities.
Equity (1) - Money put into your business by investors in return for a share of its ownership and profits.
Equity (2) - The value of the difference between the market value of an asset (such as a machine on a finance lease or hire purchase arrangement, or property subject to a mortgage), and the outstanding borrowings.
Equity gap - The difficulty faced when looking to raise equity funding at a level higher than business angels are likely to provide, but lower than the level at which venture capitalists want to invest.
Escalator - See ratchet.
Excess - Overdraft levels greater than the agreed facility.
Facilities - Banking term for the package agreed with the client (such as overdraft facility and/or a mortgage on the premises), which will be set out in a facility letter.
Factoring - Lending money based on the security of a company's debtors where the lender takes over the collection process (contrast with invoice discounting).
Financial assistance - Rules under the Companies Act to prevent a company's own assets being used to buy it, except by using a whitewash report.
Financial promotion - The act of seeking investment, governed by tight regulation with potentially severe criminal penalties.
Fixed assets - Assets owned by a business such as property or plant and machinery to be used over a number of years, the cost of which is written off each year by a depreciation charge.
Fixed charge - See charge.
Flotation - The process of listing a company's shares for sale on a stock exchange also known as listing or an Initial Public Offering (IPO).
Floating charge - See charge.
Funding gap - The difference between the level of credit you obtain from your suppliers the level of and credit you allow your customers (your terms of trade) together with the time it is taking to turn purchases into sales; which will determine the degree by which your working capital will require funding.
GAAP (Generally Accepted Accounting Practice) - This means that your accounts have been prepared in accordance with normal accounting conventions. Note that UK GAAP has some significant differences to US GAAP so you will need professional advice if this is an issue.
Gearing - Borrowings. A company is said to be highly geared (in US: leveraged) if it is largely funded by way of loans rather than share capital.
Going concern - An accounting assumption which says the business will be continuing to trade into the future.
Grants - Cash provided to you without you having to pay interest or give a share in your business, which you do not have to repay if you meet the terms on which it is provided.
Gross profit - Your sales or turnover, less costs of the goods sold.
Hardcore - Apparently permanent level of overdraft.
Headroom - Available level of unused overdraft facility.
Hire purchase - Arrangement where an asset can be bought using installment payments.
Historical cost convention - The assumption that the value of assets on the balance sheet is recognised at the original cost of purchase, less any depreciation or subsequent write-down to reflect a loss of value.
Initial public offering (IPO) - See flotation.
Insolvency - Being unable to pay debts as they fall due. The Insolvency Act sets out a number of tests including failure to deal with a statutory demand or to pay a judgment debt, and liabilities exceeding assets, each of which would be taken by a court as proof of insolvency.
The third article in this four part jargon busting guide to business loans and finance raising covers 'invoice discounting' through to 'private equity'.
About the Author
Mark Blayney specialises in raising funding for owner managed businesses. For more information on any aspect of business loans or finance in plain English contact him at: