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Q: What ratios should be considered before giving loan?
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Which financial ratio analysis will you use to determine where to invest your money?

There are various financial ratios that can help you to assess where to invest your money. A combination of different ratios may help you see the wider picture and help you to decide, if you want to, how to achieve the greatest gain with the lowest risk. Some of these ratios would include: return on capital employed, payback period, gearing, stock turn, debtor days, etc etc Ideally you should examine a range of ratios, taking into account also your own attitude to risk. In addition to considering financial ratios, one should also carefully consider the calibre of the management, the history of the company and their success in quickly adapting to changing economic realities. You should also consider future expectations of the market you are investing in, and your target company's place in that market. And you should assess the competition, and the global economy, and the environment, politically and 'environmentally', in which the business currently operates, and the environment it which it will have to operate in the foreseeable future.


Can you get a mortgage when you have a loan?

As long as you can keep your qualifying ratios under certain thresholds (they vary by loan type and program) you can get another mortgage while you have an existing mortgage. If your qualifying ratios are to high- then you will need to sell or refinance your existing mortgage to get your qualifying ratios within guidelines. Should you have any other questions- feel free to contact Joy Bates, NMLS # 243437 or for California or Texas Home Mortgage Loans go to www.legacyfinancial.com


What are Market Ratios?

Market Ratios are useful in measuring investor response to owning a company's shares and also the cost of issuing shares to the public. Almost all of these ratios can be used to take decisions as to whether we should invest in a company's stock or not. The ratios that fall under this category are: 1. Earnings Per Share (EPS) 2. Payout Ratio 3. Dividend Cover 4. P/E Ratio 5. Dividend Yield 6. Cash Flow Ratio 7. Price to Book Value Ratio (P/B or PBV) 8. Price to Sales Ratio 9. PEG Ratio


Couples should have a joint bank account before they get married.?

Couples should have a joint bank account before they get married.


What factors should be considered when recruiting employees for your business?

One of the main factors that should be considered is whether the person is reliable. Businesses can't rely on someone who doesn't show up for work.

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