This could be a sign that you’re having too much tax withheld from your paycheck and living on less of your earnings all year. You can use Form W-4 to reduce your withholding easily now so you don’t have to wait for the government to give you your money back later. People who itemize tend…

Vermont has a 6% general sales tax, but an additional 10% tax is added to purchases of alcoholic drinks that are immediately consumed. These are only several examples of differences in taxation in different jurisdictions. Rules and regulations regarding sales tax vary widely from state to state. A seller usually collects sales tax when a…

In its simplest version, the future value formula includes the asset’s (or the investment) present value, the interest rate, and the number of periods between now and the future date. If a $1,000 investment is held for five years in a savings account with 10% simple interest paid annually, the FV of the $1,000 equals…

The Future Value (FV) refers to the implied value of an asset as of a specific date in the future based upon a growth rate assumption. It’s important to know how to calculate future value if you’re a business owner or, indeed, any owner of appreciable assets. Once you know how valuable your assets currently are,…

For example, the definition of adjusted working capital considers only operating assets and liabilities. This excludes any financing-related items, such as short-term debt and marketable securities. The cash ratio is calculated as the sum of the market value of cash and marketable securities divided by a company’s current liabilities. Creditors prefer a ratio above 1…

Many types of marketable securities are readily accessible to individual investors including stocks, bonds, mutual funds, and ETFs. This makes it easy for investors to buy any of the securities mentioned above, as there are usually minimal limitations outside of a simple brokerage account needed to get started. Examples of marketable securities include common stock,…