10 Business Valuation Calculators To Gauge Business Value #sell #business

#business valuation calculator

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10 Business Valuation Calculators To Gauge Value of A Business for Sale

Believe it or not, there’s no right or wrong way to work out how much a business is worth. Experts use loads of different valuation methods and the number those calculations come up with will vary greatly depending upon the criteria set forth.

That being said, if you know exactly what it is you value in a business, it’s not hard to work out a ballpark figure. After all, nobody in their right mind would pay for an existing business without knowing what it’s worth.

To help you get started, here are some of the Web’s top free business valuation calculators.

10 Business Valuation Calculators

1. CalcXML

CalcXML has been providing a wide range of financial tools to small businesses for a while now. And the company’s valuation calculator is a tried-and-tested model.

It’s a simple tool designed to give potential buyers a quick snapshot. It takes all of the basics into consideration, including: annual earnings, excess compensation and level of business risk. Best of all, it only takes a few minutes.

2. EquityNet

EquityNet is one of the globe’s leading pioneers in crowdfunding. Established in 2005, the platform works to connect thousands of entrepreneurs with investors of all shapes and size and has already helped start-ups across the globe raise hundreds of millions in equity, debt and royalty-based capital.

As part of that mission, EquityNet provides a valuation calculator backed by real market data gathered from over 3,000 business across North America. That enables you to weigh the value of a business against potential competitors which is a factor some analysts often overlook.

EquitNet also provides free calculators to work out a company s profit margin, cash flow and startup risk.

3. ExitAdviser

ExitAdviser is an online support service that enables business owners to connect with potential buyers. In line with that service, ExitAdviser plays home to an extremely quick business valuation calculator designed to give potential buyers quick quotes.

To get an estimate, buyers simply need to enter net profit from a company’s most recent financial year and forecast its sales growth. That said, there are plenty of more advanced input options to help generate more accurate valuations.

4. BizEx

Like most free valuation calculators, BizEx hosts a platform based upon the ‘Multiple of Earnings’ method. But their calculator is far more advanced than most of the free models you’ll find kicking about on other sites.

By including an in-depth breakdown of a company’s discretionary and multiple earnings, you’re able to create instant valuation ranges depending upon a range of variables. Afterwards, you’re given the option to talk these numbers over with a broker if you’re so inclined.

5. Bridge Ventures

The Bridge Ventures calculator is designed to create an estimated market value for a company based upon a diverse set of attributes. Technically speaking, this calculator is only meant to be used for small businesses with revenues of under $2 million.

It’s worth noting this calculator is most compatible with Google Chrome, as there are a few unwanted kinks when opened on Internet Explorer. That said, it’s a simple calculator that renders quality results.

6. Hadley Capital

Hadley Capital ’s business valuation calculator is slightly different, in that it applies a multiple of EBITDA to determine the Enterprise Value of your business. In general, a small business will usually trade for around three or four times its normalized EBITDA. That said, the multiple will slide dramatically based upon a variety of characteristics specific to your business.

This calculator understandably places particular emphasis on your annual EBITDA, annual capital expenditures and how much of your revenue comes from top customers.

7. John Hancock Life Insurance

John Hancock has been around for a long time. As such, you’d expect the company to have worked out a pretty reliable way in which to tally up the value of a business.

First-time buyers may be inclined to check out this calculator, as it includes an incredibly useful glossary of terms designed to cut through all of the meaningless financial jargon associated with business valuations. It also clearly explains all methodologies involved in calculating your valuation.

8. MassMutual Financial Group

MassMutual is an all-encompassing insurance provider that represents over 13 million clients across the globe. Consequently, the company values user experience far more than some of the industry’s smaller websites. Its business value calculator is no exception.

This user-friendly calculator very clearly and concisely walks you through every step of the valuation process in order to work out a decent estimate in as little as two minutes.

9. HelpSME

HelpSME is a great resource for small businesses in need of tutorials and advice. That’s why the site offers an easy-to-use valuation calculator using the Net Present Value (NPV) method. This approach uses a company’s future cash flows to try and work out how much it’s worth in the here and now.

HelpSME’s calculator also includes useful guides designed to help you wrap your head around the value provided.

10. National Life

National Life is an all-encompassing collective of financial services companies, and its online valuation calculator draws upon that power in order to generate fairly well-informed market estimates.

Similar to HelpSME, National Life’s calculator finds the worth of a company by looking at the present value of its expected future earnings. It places particular consideration on a company’s lack of marketability and excess compensation.

In the same way that no two valuations are alike, it s crucial to bear in mind that this list is by no means exhaustive. There are loads of brilliant valuation calculators online that you can use in order to generate a snapshot of how much a business may be worth.

Just remember: these free business valuation calculators aren t always accurate. At the end of the day, it s up to you to do your homework in order to ensure you ve put in (or accepted) the best possible offer for an existing company.

Nash Riggins is a Staff Writer for Small Business Trends and an American journalist based in central Scotland. Nash covers industry studies, emerging trends and general business developments. His writing background includes The Huffington Post, World Finance and GuruFocus. His website is NashRiggins.com.

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Thank you for your interest in Georgia Property Tax Relief, Inc. Our staff has a proven track record of reducing property tax assessments for properties like yours. With the 2017 appeal season about to start, now is the time to significantly REDUCE your PROPERTY TAXES!

Georgia Property Tax Relief, Inc. specializes in reducing property taxes for Atlanta area property owners- representing our clients at the Board of Equalization and working with proven results to lower commercial property taxes as well as residential property taxes. We lower the property tax burden for parcels all across Georgia and the Atlanta area. Counties where we reduce property taxes include Gwinnett County, Fulton, DeKalb, Forsyth, Fayette, Hall, Barrow, Walton, and any other Georgia county. We are a property tax consulting firm that works to lower the property tax assessment for your commercial or residential property. Our team of appraisers is ready to assist with all of your property tax reduction needs.

WHY are your Property Taxes INCREASING FASTER

than the value of your property?

Have You Seen These Headlines?

“The foreclosure crisis is still burning years after the housing crisis ended” – The Washington Post
“Property-Tax Collections Rising at Fastest Pace Since U.S. Crash” – Bloomberg
“Commercial Real Estate Drop Accelerates” – Atlanta Business Chronicle
“Gwinnett Proposes Increase in Property Tax Levy” – Atlanta Journal Constitution

Managing and minimizing your liabilities in the economy of today is not only wise, but it is essential to surviving in a tough economy. Properties of all types are falling in value at break-neck speeds. The county is responding as they always do, by increasing your tax rate. It is likely that you have already taken a hit from the downturn in the economy and a tax increase will only make things harder for you. You need RELIEF! That is why we are here! With our expert advice and representation, property taxes CAN be managed and minimized. Last year, our clients averaged a 3 year property tax savings of over $6,400! That is the type of relief that Gwinnett property owners need! We are highly trained professionals dedicated to reducing your property taxes. We have experience representing all types of properties, and our proven track record is your assurance that we will fight for you!

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Life Insurance Lawyers #life #insurance #lawyers, #term #life #insurance,value #life #insurance,cash #value


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Life Insurance Lawyers

Locate a Local Business Lawyer

Types of Life Insurance Policies

There are several different types of life insurance policies to chose from. People typically want life insurance so their loved ones will receive money if they die an untimely death. But life insurance can do more than that; it can also be an effective financial tool.

There are two primary types of life insurance policies, term life insurance and whole life insurance:

  • Term Life Insurance – Term life insurance refers to a policy where the policy holder makes payments to the life insurance company at regular intervals, either monthly or yearly. The holder makes these payments for a specified period of time, such as 5, 10, or 20 years. If they die during that term, then the life insurance company pays a specified amount of money to whomever has been designated as the beneficiary.
    • If the person does not die during that term, then the life insurance pays nothing. Most insurance companies will allow the holder to renew the policy for another term, but at higher premiums.
  • Whole Life Insurance – Whole life insurance, also known as ordinary, cash value, and universal life insurance, is similar to term life insurance in that the policy holder makes regular payments called premiums. However, they are different in that cash value life insurance spans one’s whole life, whereas term life insurance only covers a specified period of time. Thus, no matter when someone dies, the life insurance company will pay out as long as that person has been paying premiums.
    • A benefit to whole life insurance is that the policy holder will build up cash value. This means that a portion of premiums will be kept in an interest earning account. There are several ways the policy holder can use the cash value of their life insurance:
      • Get a loan – It is possible to borrow money against cash value. This option is better than a conventional loan because the insurance company will not check credit reports and there is no repayment schedule. However, one cannot borrow more than the total cash value.
      • Surrender the cash value – The policy holder can cancel their policy and get cash value in a lump sum. This is often referred to as cashing out.
      • Skip a premium payment – If the holder needs to miss a premium payment, they can use cash value to pay it, thus continuing the life insurance coverage. This can only be done until cash value reaches zero, at which point the life insurance will be canceled if the policy holder do not pay their premium.
    • Disadvantages include higher premiums than term life insurance. Additionally, term life insurance tends to be better for older people since cash values take some time to accumulate.

Do I Need an Attorney?

Life insurance policies are full of technicalities and rigid requirements. Additionally, life insurance is regulated by state law, so you have to know the laws in your locality. A life insurance lawyer can help you fully understand your life insurance policy and explain how your state’s laws affect it. If you ever have to sue your life insurance provider, an attorney will know exactly how to do it. Access additional information on life insurance eligibility .

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Is Whole Life Insurance Right For You? Consumer Reports #life #insurance, #whole


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Is whole life insurance right for you?

We’ve long advised younger, budget-conscious families to buy term life insurance. The main reason—it offers bargain-price protection that pays a large benefit to your survivors if you die during the typical 20- to 30-year term of the contract. Consequently, we’ve tended to short-shrift whole life insurance because it’s a murky mix of life insurance and savings or investment vehicle that builds cash value after several years and into the ­future—again, as long as you pay the premiums, which can be 10 times as high as those on a same-sized term policy.

Our advice—that term life is a better deal for most families—hasn’t changed. But because bigger annual premiums result in larger commissions for insurance sales­people, sooner or later an agent may try to sell you a whole life insurance policy, also known as “cash-value” and “permanent life.” But whole life is a lot more complicated than term, and you should understand how both types work.

The confusion starts with the fact that whole life insurance combines two financial products—life insurance and an investment—into one that is supposed to serve your needs over your entire lifetime. But life is unpredictable, and the circumstances that drove your initial purchase can be very different a decade later. A period of financial stress, say, may prompt you to eliminate the high annual payment and surrender the policy for its cash value.

Running the numbers

Click on the image to expand it.

To grasp the value of whole life insurance, you need to see how it and term life insurance operate in practical terms. We got term and whole life quotes from AccuQuote, an online broker that sells policies from about 100 insurers nationwide, for a 40-year-old Illinois man in perfect health who wants a $500,000 policy with level annual premium payments (click to enlarge the chart, right).

When you’re young and have a family, term life insurance (dotted-red, then solid red line) provides a big death benefit for a bargain price (turquoise line). But at age 70, in our example, the 30-year term protection ends. That’s also when the term life starts becoming prohibitively expensive because of the insured’s age and declining health, and the increasing probability of death.

A traditional whole life insurance policy purchased at 40, keeps the death benefit in force beyond age 70, as long as premiums are paid (dashed-blue, then solid-blue line). Whole life premiums are steep, though: $6,760 per year vs. $660 annually for the term policy. But the “excess premium” goes to guaranteed savings, which build cash value over time (light-gray line).

Alternatively, you could buy the 30-year term policy and each year invest the difference between the whole- and term-life premiums in conservative 10-year Treasury notes. (T-notes are a comparable alternative to investing in whole life, in terms of liquidity, risk, and resulting returns; a stock mutual fund would not be comparable.) In this illustration, which assumes that the current 2.17 percent 10-year T-note rate remains level, the T-notes can provide a higher return on your money (dark-gray line) vs. the guaranteed return (light-gray line)—but no death benefit past age 69.

So one value of whole life is the continuing death benefit (dark-blue line) for your heirs while you continue to build cash value.

But some whole life policies also pay dividends based on the insurer’s financial performance. Those returns, not guaranteed but likely, can be reasonably estimated. When the dividends are used to buy additional “paid-up insurance,” that can add an estimated $500,000 to cash value by age 90 (light-blue line) and boost the death benefit to $1.1 million (gold line).

However, the average annual rate of ­return—1.5 percent for the whole life guaranteed cash value, 2.2 percent for the Treasuries, and 3.5 percent for the whole life possible cash value—is undercut by inflation, currently about 2.2 percent per year.

So your savings tread water while providing lifelong life insurance, and you can pass on the assets tax-free to your heirs .

The name of the game is to hold on to your policy until you die. About 4 percent of whole life policies per year lapse, according to a study of 47 million policies issued by 20 insurers over more than two decades, by LIMRA, an industry research company. That means the value of a whole life policy depends on how long you own it. Here’s what to look for:

Less than five years

If a reversal of fortune causes you to quit the policy in less than five years, whole life is a lousy investment. Huge front-end sales commissions and policy-surrender charges eat up the cash value, and you’ll probably lose all or most of your investment. You will have received the value of the life insurance protection for that period, but that will be wildly overpriced because you could have paid significantly less for a simple term policy.

Our advice: If you worry that you won’t be able to maintain those high whole life premium payments for even a few years, buy term insurance instead.

Sixteen years

If you dump your policy around the 16th year, your cash surrender value plus the value of the insurance you received will be about what you put in. So that’s the earliest you can drop the policy without losing your shirt.

Our advice: If you’re wealthy, you can probably gamble on whole life over that long period. If you’re struggling, go with term.

Two decades and beyond

As our chart shows, if you steadily maintain your payments for two decades, the returns on whole life, including dividends, start significantly pulling away from the term plus Treasuries alternative. Meanwhile, surrender charges have usually disappeared, if you want to cash out. “If you hold a cash-value policy long enough, it can compete with alternative investments of comparable risk,” says Glenn Daily, a New York City fee-only life-­insurance consultant.

Our advice: Higher-income folks in the 20+ years club have options: If you’re building a legacy for your heirs and have the money to keep going, the rising return trajectory and insurance coverage should give peace of mind. If you need to leave whole life, you can.

Whole life provides a death benefit until age 100 to 121, depending on the policy, but you have to keep paying the premium as long as you live. However, for an additional premium, if you become disabled before age 65, the insurance company pays the premiums for the rest of your life.

Hidden truths

This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

Although most states have adopted model disclosure regulations promoted by the National Association of Insurance Commissioners, no state or federal agency requires them to mention such basics as investment-­management fees, rate of return, and (with the exception of New York) sales commissions.

Insurers also don’t disclose what part of the annual premium goes to pay the life insurance vs. savings components of the policy. If you don’t know how much is going to your cash account, you can’t accurately calculate your rate of return on that asset.

That makes it difficult to compare one policy with others. And yet there are large differences in prices among companies for essentially the same coverage, industry experts say. Brian Fechtel, a chartered financial analyst and 27-year life-insurance agent, says commissions on whole life can be 130 to 150 percent of the first-year premium.

“If the industry disclosed the commissions, whole life sales costs would have to come down to be competitive,” Fechtel says.


RECOMMENDED CITY WORLD HYUNDAI #city #world #hyundai, #bronx, #ny #car #dealer, #hyundai,


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City World Hyundai | Bronx New and Used Car Dealer NYC| Auto Dealer located in Bronx, New York serving Queens, Brooklyn and Manhattan offering 2017 Hyundai Elantra, New Sonata, Lease Offers on Santa Fe, Deals on Santa Fe Sport and Credit Approvals on alll models including Tucson. Drivers in White Plains, New Rochelle, Yonkers, Fordham, Pelham Bay, Rye, Bayside, Long Island City, Jamaica and Stamford, Connecticut and Paramus, New Jersey will find good reasons to Buy in the Bronx!

Welcome to our digital showroom. As an online shopper, your experience while seeking financing for a new 2017 Hyundai Elantra, competitive finance rates for a new 2017 Sonata or excellent lease payments on a new 2017 Santa Fe, Santa Fe Sport or Tucson is important to us. Elantra GT, Hyundai Veloster and Hyundai Accent models offer our customers excellent fuel economy and all Hyundai models offer America’s Best Warranty with a 10 year / 100,000 mile power train limited new car warranty, a 5 year/60,000 mile comprehensive new car warranty, roadside assistance and Hyundai Assurance.

City World Hyundai is located at 3350 Boston Road, Bronx, New York and serves all of New York City including Queens, Manhattan and Brooklyn. City World Hyundai is the exclusive Hyundai dealer in the Bronx!

In fact, for drivers wanting a new Hyundai or any pre-owned vehicle we offer excellent customer service! We will make it worth coming over the bridge such as the Triborough Bridge, the Throgs Neck Bridge and the Bronx-Whitestone Bridge to purchase or lease your vehicle at City World Hyundai! That’s a City World Guarantee!

City World Hyundai Service Department

City World Hyundai Service Department is located at 2249 New England Thruway, Bronx, New York 10475.
Our team of Hyundai certified technicians are ready to serve you and service your vehicle for regular maintenance such as an oil change or new brakes, new tires, a complimentary multi-point inspection, free battery check or any major automotive repair.

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Homeowners Insurance #actual #cash #value #homeowners #insurance


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Homeowners Insurance

Can I purchase homeowners insurance online?

In select states (listed below), you can quote, buy and service your homeowners insurance policy entirely online. We offer click-to-chat throughout the experience to help answer questions, but there is no agent, which means we can pass the savings on to you. This option is entirely self-service, which means you can pay a bill, make changes to a policy, and file a claim entirely online.

Or, if you don’t want to buy homeowners insurance online, you can also get a quote and purchase through an in-person agent or over the phone with an agent. This option includes servicing of your policy directly with an agent or through our customer service centers. You choose the option that works best for you.

You can purchase homeowners insurance online if you live in the states listed here (more states to be added soon):

Can I get a discount through my employer or association?

Yes, you may be eligible for an additional discount because of your employer or your membership to certain associations or group. We recommend entering your employer or association name when you are quoting so that we can offer you the best possible price.

How can I lower my homeowners insurance premiums?

There are a few ways you can save on your homeowners insurance with MetLife Auto Home®.

  • Safety discounts are available in most states. Your premiums will be lower if your home has fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, and fire extinguishers. Theft prevention systems, like central burglar alarms and deadbolt locks, may also qualify you for discounts.
  • Bundle your auto and home insurance. Consider purchasing a home policy with an auto policy from MetLife Auto Home—it could save you up to 10%. Check out our Bundle Save page for more details.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.
  • See if you’re eligible for group discounts. If your employer or association offers home insurance, you could save even more. Call an agent to find out if this is available to you.

I’ve never had an insurance claim. Shouldn’t my home insurance costs be going down?

Even if you’ve never had a claim, your insurance costs can still rise over time, although it’s probably rising slower than for people who submit claims. Premiums are based on a number of factors in addition to loss history, including:

  • Your home’s age and type of construction.
  • How much it will cost to rebuild your home from scratch. Both the cost of materials and regional labor costs are taken into consideration for this.
  • The risks of loss associated with where you live. Is there a high risk of wildfires? Hurricanes? Is it a high crime area? Insurance companies monitor weather patterns, how quickly a fire department can get to a home, how close the nearest hydrant is to a property, as well as loss statistics in your area, among other factors which bear on past and prospective loss experience and expenses.
  • Fraud. Sadly, increased lawsuits and fraud contribute to rising insurance costs.

What’s the process for filing a claim?

Immediately following a loss, contact your agent or call MetLife Auto Home’s claim service team—call 1-800-854-6011. You should also:

  • Take pictures of all damage and complete temporary repairs to your property immediately—for example, patching walls or roofs, or covering shattered windows with plywood and/or heavy-duty plastic.
  • Save receipts and invoices associated with any emergency repairs to give to your claim adjuster.
  • File a report with the police department and keep a copy for your adjuster if you’ve been robbed, making sure to include a detailed list of the items damaged or stolen.
  • Make a room-by-room, written assessment of all damaged property, including descriptions, original costs, and approximate ages of all items.

Once you’ve reported your claim to us, a claim specialist will contact you within 24 hours. The claim specialist will review your claim, help organize temporary repairs or emergency services, and set a date for inspecting the damages.

When can I expect to receive a settlement check, and whose name will appear on the check?

You’ll receive a settlement check as soon as we’ve confirmed coverage and completed an investigation and comprehensive damage estimate. We will make every effort to issue payment on the claim as quickly as possible. If necessary, you’ll receive other authorized supplemental checks once proper re-inspections are performed or when your claim adjuster prepares a supplemental estimate. We may be required by state laws and policy language to include any mortgagees/ lien holders on your settlement check(s). If a mortgagee/lien holder’s name appears on your settlement check(s), they must sign off on the check before it can be cashed. You should contact them directly to determine the process for co-signing/cashing settlement checks.

If you have Replacement Cost (RC) coverage, in the event of a covered loss, we’ll first pay you the actual cash value for the damage to your property. When you replace the item or complete the specified repairs, we’ll pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you’re reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits.

How can I locate a contractor for repairs?

MetLife Auto Home has arranged with Crawford Contractor Connection network to provide construction repairs. Your claim service associate can check to ensure that this service is available in your area and schedule an inspection of your property. The network provides:

  • Over 2,200 certified General/Specialty contractors nationally
  • A two-year warranty on materials and labor provided
  • Continuous contractor credentialing process
  • Worker’s comp. insurance protection for the contractors
  • Strictly monitored performance standards

Auto Appraisers and Vehicle Appraisals Nationwide Service – Pinnacle Auto Appraisers offers


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Pinnacle Auto Appraisers — We are Nationwide handling all appraisal types from Insurance Claims to Classic Car Appraisals !

With our excellent customer service, you will always talk to a live certified appraiser and receive immediate feedback. You can even order an appraisal through our website. All of our certified auto appraisers are trained to handle all types of appraisals for Total Loss. Diminished Value. Classic Cars. Stated Value. Lease Turn-In. Insurance Coverage. and More!

Auto Appraiser and Vehicle Appraisals Nationwide – Pinnacle Auto Appraisers is a Vehicle Appraisal company that is experienced in all lines of appraising.

We believe in offering professional auto appraising services with great customer service .

  • Total Loss Claim? Not a problem, our certified auto appraisers are trained to handled the whole claim process for you.
  • Classic Cars? Whether it is a rare antique vehicle from the early 1900’s to the 1960’s muscle cars, don’t worry we have you covered.
  • Lease Turn-In? Need to return your lease vehicle early? No problem, we are approved with all vehicle manufacturer finance companies.
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  • Diminished Value Claim? Recover what vehicle value you lost due to an accident not being your fault.
  • Pre-Purchase Inspections? Our certified inspectors will go out to the vehicle, perform a thorough inspection along with a test drive!
  • Stated Value or Insuarance Coverage? Insurance companies are now requiring Certified Auto Appraisals when stating your coverage value.
  • Bank Loan Appraisals? We provide certified auto appraisals that meet all bank and financial institution requirements.

Auto Appraisers Appraisals: How to and Guidance On the Process

What does an Insurance Adjuster-Appraiser do?

  • Investigates, Researches, and Evaluates
  • Reviews insurance policy and determines if the loss reported is covered
  • Investigates the claim to determine claim is not fraudulent
  • Request documentation from insured and/or repair facilities
  • Determines what amount the insurance company should pay for the loss
  • Negotiates Settlements
  • Issues Payments for Claim.

Why Hire a Certified Auto Appraiser?
Knowing how much your vehicle is currently worth or knowing how much value your vehicle has lost due to a non at-fault accident will determine if you need to increase your insurance coverage or file a diminished value claim. It is also very important to hire a certified auto appraiser when your vehicle has been totaled. This will reassure you of what the vehicle is currently worth. By hiring a certified auto appraiser they will also guide you through how the insurance claim process works and also what to expect when involved in an insurance claim. If you are involved in a total loss claim and would like us to review your information, please give a call toll free at 1-877-988-9911 .

How to find a Certified Auto Appraiser and/or Inspector
All our appraisers are licensed and certified. If you require a pre-purchase inspection on a vehicle, all our inspectors are certified as well. Most have body and mechanical repair experience. We have nationwide coverage, so any location we have you covered! Call us at 1-877-988-9911 for further details.

Call Us Toll Free! 1-877-988-9911

We are dedicated to offering you immediate and reliable customer service whether it be on the phone, via email or through our online ordering system. Our company prides itself on being able to handle all of your auto appraisal needs. Feel free to call or send us an email to schedule your appraisal(s).

Our Certified Auto Appraisers look forward to serving you!

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1-877-988-9911

We are dedicated to offering you immediate and reliable customer service whether it be on the phone, via email or through our online ordering system. Our company prides itself on being able to handle all of your auto appraisal needs. Feel free to call or send us an email to schedule your appraisal(s).

Our Certified Auto Appraisers look forward to serving you!

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Diminished Value


How Long Does My Insurance Have to Pay Out My Claim After


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How Long Does My Insurance Have to Pay Out My Claim After We’ve Agreed on a Price?

Written by James Hirby and Fact Checked by The Law Dictionary Staff

Filing an insurance claim involves plenty of diligence and hard work. Unfortunately, the process also requires a tremendous amount of patience. Depending upon the severity of the damage to the covered piece of property, it might take as long as two years for you to receive a payout from your insurance company. If you disagree with your insurance company s offer and wish to file a formal dispute, your case could languish in court for even longer than this. Although there are several steps that you can take to speed up your claims process, you might have to retain an attorney to help move things along.

Most of these steps must take place before you formally accept your insurance company s settlement offer. Once you ve accepted the offer, the claims process will terminate. At this point, you ll simply need to wait to receive the settlement check or deposit from your insurance company. If you believe that your insurance company is intentionally delaying this payout, you may have legal recourse.

In fact, most states require insurance companies to issue payouts within a pre-defined period of time. In most jurisdictions, these grace periods range between 30 and 45 days. It s unlikely that your insurance company will be permitted to stall for more than 60 days before issuing your payout. If it does, it may be subject to significant financial penalties. In addition, your delayed payout will accrue interest at prevailing rates until its disbursement. Depending upon the duration of your insurer s delinquency. this additional interest might provide you with a significant financial bonus.

If your insurance company doesn t pay out on your claim within the required period, you re entitled to take legal action against it. This should be a straightforward matter: You ll simply need to retain a lawyer and explain your case to a tort-law judge. Once the judge has issued a ruling, your insurer will be required to pay out on your claim within 30 days.

It s important to note that the legally-mandated payout periods apply principally to homeowner s and auto insurance providers. In most states, life insurance payouts are governed by different regulations. If you elect to receive a life insurance payout as a lump sum, your provider may be entitled to wait up to 90 days before issuing it. If you elect to receive an annuity payment, your insurer may not be required to make its first payout until the agreed-upon payment date. These practical restrictions might result in payout delays of up to a year.

More On This Topic


10 Business Valuation Calculators To Gauge Business Value #small #business #grant

#business valuation calculator

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10 Business Valuation Calculators To Gauge Value of A Business for Sale

Believe it or not, there’s no right or wrong way to work out how much a business is worth. Experts use loads of different valuation methods and the number those calculations come up with will vary greatly depending upon the criteria set forth.

That being said, if you know exactly what it is you value in a business, it’s not hard to work out a ballpark figure. After all, nobody in their right mind would pay for an existing business without knowing what it’s worth.

To help you get started, here are some of the Web’s top free business valuation calculators.

10 Business Valuation Calculators

1. CalcXML

CalcXML has been providing a wide range of financial tools to small businesses for a while now. And the company’s valuation calculator is a tried-and-tested model.

It’s a simple tool designed to give potential buyers a quick snapshot. It takes all of the basics into consideration, including: annual earnings, excess compensation and level of business risk. Best of all, it only takes a few minutes.

2. EquityNet

EquityNet is one of the globe’s leading pioneers in crowdfunding. Established in 2005, the platform works to connect thousands of entrepreneurs with investors of all shapes and size and has already helped start-ups across the globe raise hundreds of millions in equity, debt and royalty-based capital.

As part of that mission, EquityNet provides a valuation calculator backed by real market data gathered from over 3,000 business across North America. That enables you to weigh the value of a business against potential competitors which is a factor some analysts often overlook.

EquitNet also provides free calculators to work out a company s profit margin, cash flow and startup risk.

3. ExitAdviser

ExitAdviser is an online support service that enables business owners to connect with potential buyers. In line with that service, ExitAdviser plays home to an extremely quick business valuation calculator designed to give potential buyers quick quotes.

To get an estimate, buyers simply need to enter net profit from a company’s most recent financial year and forecast its sales growth. That said, there are plenty of more advanced input options to help generate more accurate valuations.

4. BizEx

Like most free valuation calculators, BizEx hosts a platform based upon the ‘Multiple of Earnings’ method. But their calculator is far more advanced than most of the free models you’ll find kicking about on other sites.

By including an in-depth breakdown of a company’s discretionary and multiple earnings, you’re able to create instant valuation ranges depending upon a range of variables. Afterwards, you’re given the option to talk these numbers over with a broker if you’re so inclined.

5. Bridge Ventures

The Bridge Ventures calculator is designed to create an estimated market value for a company based upon a diverse set of attributes. Technically speaking, this calculator is only meant to be used for small businesses with revenues of under $2 million.

It’s worth noting this calculator is most compatible with Google Chrome, as there are a few unwanted kinks when opened on Internet Explorer. That said, it’s a simple calculator that renders quality results.

6. Hadley Capital

Hadley Capital ’s business valuation calculator is slightly different, in that it applies a multiple of EBITDA to determine the Enterprise Value of your business. In general, a small business will usually trade for around three or four times its normalized EBITDA. That said, the multiple will slide dramatically based upon a variety of characteristics specific to your business.

This calculator understandably places particular emphasis on your annual EBITDA, annual capital expenditures and how much of your revenue comes from top customers.

7. John Hancock Life Insurance

John Hancock has been around for a long time. As such, you’d expect the company to have worked out a pretty reliable way in which to tally up the value of a business.

First-time buyers may be inclined to check out this calculator, as it includes an incredibly useful glossary of terms designed to cut through all of the meaningless financial jargon associated with business valuations. It also clearly explains all methodologies involved in calculating your valuation.

8. MassMutual Financial Group

MassMutual is an all-encompassing insurance provider that represents over 13 million clients across the globe. Consequently, the company values user experience far more than some of the industry’s smaller websites. Its business value calculator is no exception.

This user-friendly calculator very clearly and concisely walks you through every step of the valuation process in order to work out a decent estimate in as little as two minutes.

9. HelpSME

HelpSME is a great resource for small businesses in need of tutorials and advice. That’s why the site offers an easy-to-use valuation calculator using the Net Present Value (NPV) method. This approach uses a company’s future cash flows to try and work out how much it’s worth in the here and now.

HelpSME’s calculator also includes useful guides designed to help you wrap your head around the value provided.

10. National Life

National Life is an all-encompassing collective of financial services companies, and its online valuation calculator draws upon that power in order to generate fairly well-informed market estimates.

Similar to HelpSME, National Life’s calculator finds the worth of a company by looking at the present value of its expected future earnings. It places particular consideration on a company’s lack of marketability and excess compensation.

In the same way that no two valuations are alike, it s crucial to bear in mind that this list is by no means exhaustive. There are loads of brilliant valuation calculators online that you can use in order to generate a snapshot of how much a business may be worth.

Just remember: these free business valuation calculators aren t always accurate. At the end of the day, it s up to you to do your homework in order to ensure you ve put in (or accepted) the best possible offer for an existing company.

Nash Riggins is a Staff Writer for Small Business Trends and an American journalist based in central Scotland. Nash covers industry studies, emerging trends and general business developments. His writing background includes The Huffington Post, World Finance and GuruFocus. His website is NashRiggins.com.

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Where can I Use an Actual Cash Value Calculator for My Auto?


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Where can I Use an Actual Cash Value Calculator for My Auto?

An actual cash value calculator is a tool designed and used by insurance companies to ascertain the actual cash value or ACV of vehicles that have been involved in accidents. This calculator is not for the public, and is limited to use by the insurance companies. This process is carried out by using a computer program. They input the pertinent information about the vehicle into the calculator program and they get the answer. A driver can perform their own calculation by following the steps outlined by sites such as edmunds.com. NADAguides.com. and Kelley Blue Book .

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Tweedy, Browne Company LLC #tweedy, #tweedy #browne #company #llc, #value #investing, #equity


#

Welcome to Tweedy, Browne

We invite you to browse through our website and learn more about Tweedy, Browne, our value investment philosophy, our long history and the people who are Tweedy, Browne. For over ninety years we have been active in the value investing business. It is our only business and it is how we invest our own money. As of March 31, 2017, the current Managing Directors and retired principals and their families, as well as employees of Tweedy, Browne had more than $1.1 billion in portfolios combined with or similar to client portfolios, including approximately $128.4 million in the Global Value Fund, $74.3 million in the Value Fund, $7.2 million in the Worldwide High Dividend Yield Value Fund, and $5.6 million in the Global Value Fund II — Currency Unhedged.

We have tried to make our website informative and encourage you to read about our history and our investment approach. We believe it is important that our investors and clients understand who we are and what we do. In the “About Us ” section, you will learn about our firm, its origins and associations with some of the legends of value investing such as Benjamin Graham, the “father of value investing.” Also, under “Investment Philosophy ,” we describe in detail our investment principles. In the “Research and Reports ” section, you’ll find an archive of quarterly commentaries, annual and semi-annual reports of our mutual funds along with research papers, numerous articles and interviews concerning Tweedy, Browne.

We welcome your visit and hope you will learn more about investing and our approach to value. We also welcome your suggestions on how we may improve our website and better serve you.

William H. Browne
Thomas H. Shrager
John D. Spears
Robert Q. Wyckoff, Jr.
Managing Directors

The information on this website is intended for U.S. residents only. Tweedy, Browne Global Value Fund, Tweedy, Browne Global Value Fund II Currency Unhedged, Tweedy, Browne Value Fund and Tweedy, Browne Worldwide High Dividend Yield Value Fund are registered only in the United States and the information on this website does not constitute an offer to sell or a solicitation of an offer to purchase the Funds, which are not available to persons outside of the United States.

Current and future portfolio holdings are subject to risk. Investing in foreign securities involves additional risks beyond the risks of investing in U.S. securities markets. These risks include currency fluctuations; political uncertainty; different accounting and financial standards; different regulatory environments; and different market and economic factors in various non-U.S. countries. In addition, the securities of small, less well known companies may be more volatile than those of larger companies. Value investing involves the risk that the market will not recognize a security’s intrinsic value for a long time, or that a security thought to be undervalued may actually be appropriately priced when purchased. Dividends are not guaranteed, and a company currently paying dividends may cease paying dividends at any time. Diversification does not guarantee a profit and does not protect against a loss in a declining market. Please refer to the Funds’ prospectus for a description of risk factors associated with investments in securities which may be held by the Funds.

To view the accompanying prospectus please click on the Prospectus icon which appears at the top of the screen. Tweedy, Browne Global Value Fund, Tweedy, Browne Global Value Fund II Currency Unhedged, Tweedy, Browne Value Fund and Tweedy, Browne Worldwide High Dividend Yield Value Fund are distributed by AMG Distributors, Inc. Member FINRA /SIPC. Certain employees of Tweedy, Browne are registered representatives of AMGDI.

As reflected herein, in late 2006 the name of the Tweedy, Browne American Value Fund was changed to the Tweedy, Browne Value Fund. This website may contain some historic content that was created before the name change and therefore may still reference the Fund’s name prior to the change in name. Because this material is still thought to be relevant, it is being maintained on the website in its original form. All references to the Tweedy, Browne American Value Fund in these historic documents should now be deemed to refer to the Tweedy, Browne Value Fund.


10 Business Valuation Calculators To Gauge Business Value #small #business #lenders

#business valuation calculator

#

10 Business Valuation Calculators To Gauge Value of A Business for Sale

Believe it or not, there’s no right or wrong way to work out how much a business is worth. Experts use loads of different valuation methods and the number those calculations come up with will vary greatly depending upon the criteria set forth.

That being said, if you know exactly what it is you value in a business, it’s not hard to work out a ballpark figure. After all, nobody in their right mind would pay for an existing business without knowing what it’s worth.

To help you get started, here are some of the Web’s top free business valuation calculators.

10 Business Valuation Calculators

1. CalcXML

CalcXML has been providing a wide range of financial tools to small businesses for a while now. And the company’s valuation calculator is a tried-and-tested model.

It’s a simple tool designed to give potential buyers a quick snapshot. It takes all of the basics into consideration, including: annual earnings, excess compensation and level of business risk. Best of all, it only takes a few minutes.

2. EquityNet

EquityNet is one of the globe’s leading pioneers in crowdfunding. Established in 2005, the platform works to connect thousands of entrepreneurs with investors of all shapes and size and has already helped start-ups across the globe raise hundreds of millions in equity, debt and royalty-based capital.

As part of that mission, EquityNet provides a valuation calculator backed by real market data gathered from over 3,000 business across North America. That enables you to weigh the value of a business against potential competitors which is a factor some analysts often overlook.

EquitNet also provides free calculators to work out a company s profit margin, cash flow and startup risk.

3. ExitAdviser

ExitAdviser is an online support service that enables business owners to connect with potential buyers. In line with that service, ExitAdviser plays home to an extremely quick business valuation calculator designed to give potential buyers quick quotes.

To get an estimate, buyers simply need to enter net profit from a company’s most recent financial year and forecast its sales growth. That said, there are plenty of more advanced input options to help generate more accurate valuations.

4. BizEx

Like most free valuation calculators, BizEx hosts a platform based upon the ‘Multiple of Earnings’ method. But their calculator is far more advanced than most of the free models you’ll find kicking about on other sites.

By including an in-depth breakdown of a company’s discretionary and multiple earnings, you’re able to create instant valuation ranges depending upon a range of variables. Afterwards, you’re given the option to talk these numbers over with a broker if you’re so inclined.

5. Bridge Ventures

The Bridge Ventures calculator is designed to create an estimated market value for a company based upon a diverse set of attributes. Technically speaking, this calculator is only meant to be used for small businesses with revenues of under $2 million.

It’s worth noting this calculator is most compatible with Google Chrome, as there are a few unwanted kinks when opened on Internet Explorer. That said, it’s a simple calculator that renders quality results.

6. Hadley Capital

Hadley Capital ’s business valuation calculator is slightly different, in that it applies a multiple of EBITDA to determine the Enterprise Value of your business. In general, a small business will usually trade for around three or four times its normalized EBITDA. That said, the multiple will slide dramatically based upon a variety of characteristics specific to your business.

This calculator understandably places particular emphasis on your annual EBITDA, annual capital expenditures and how much of your revenue comes from top customers.

7. John Hancock Life Insurance

John Hancock has been around for a long time. As such, you’d expect the company to have worked out a pretty reliable way in which to tally up the value of a business.

First-time buyers may be inclined to check out this calculator, as it includes an incredibly useful glossary of terms designed to cut through all of the meaningless financial jargon associated with business valuations. It also clearly explains all methodologies involved in calculating your valuation.

8. MassMutual Financial Group

MassMutual is an all-encompassing insurance provider that represents over 13 million clients across the globe. Consequently, the company values user experience far more than some of the industry’s smaller websites. Its business value calculator is no exception.

This user-friendly calculator very clearly and concisely walks you through every step of the valuation process in order to work out a decent estimate in as little as two minutes.

9. HelpSME

HelpSME is a great resource for small businesses in need of tutorials and advice. That’s why the site offers an easy-to-use valuation calculator using the Net Present Value (NPV) method. This approach uses a company’s future cash flows to try and work out how much it’s worth in the here and now.

HelpSME’s calculator also includes useful guides designed to help you wrap your head around the value provided.

10. National Life

National Life is an all-encompassing collective of financial services companies, and its online valuation calculator draws upon that power in order to generate fairly well-informed market estimates.

Similar to HelpSME, National Life’s calculator finds the worth of a company by looking at the present value of its expected future earnings. It places particular consideration on a company’s lack of marketability and excess compensation.

In the same way that no two valuations are alike, it s crucial to bear in mind that this list is by no means exhaustive. There are loads of brilliant valuation calculators online that you can use in order to generate a snapshot of how much a business may be worth.

Just remember: these free business valuation calculators aren t always accurate. At the end of the day, it s up to you to do your homework in order to ensure you ve put in (or accepted) the best possible offer for an existing company.

Nash Riggins is a Staff Writer for Small Business Trends and an American journalist based in central Scotland. Nash covers industry studies, emerging trends and general business developments. His writing background includes The Huffington Post, World Finance and GuruFocus. His website is NashRiggins.com.

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Editor’s Picks





5 Ways a Professional Doctorate Degree Could Benefit Your Career #doctorate #degree


#

5 Ways a Professional Doctorate Degree Could Benefit Your Career

A doctorate degree is the highest degree you can obtain in the United States. The most common forms are:

  • Research (Ph. D.) programs
  • Professional doctorates

You might be familiar with a Ph. D.. an academic, research-based degree where your main goal is to develop advanced research skills and to create new knowledge to share with others.

A professional doctorate is focused on advanced practice of knowledge and skills, making it a degree for those who are more professionally oriented. While it will also develop your research skills, in a professional doctorate program, the focus is to apply knowledge to an industry to solve new and emerging problems.

Interest in professional doctoral programs has been growing in recent years. I attribute it to the evolving needs of employers, and the desire of professionals to improve their skills and knowledge.

There are many reasons why you might want to go back to school for a professional doctorate degree. Here are five ways a doctorate degree could benefit your career.

1. You can have real impact on an industry.

A professional doctoral degree program will prepare you to have an impact on and potentially transform your chosen field. Professional doctorate candidates usually take an existing concept or problem in their industry, conduct the research, and recommend proposals or solutions. This can have a significant social and economic impact.

2. You can qualify for top-level positions.

A good doctorate degree candidate is someone who is fairly well established in a field or a career. This is someone who might already be a decision maker or manager, but who wants to develop the refined and sophisticated skills to move into the top levels of decision-making.

A rigorous professional doctorate program will push your boundaries and teach you how to think through and solve complex problems that you can translate directly to your industry.

3. You’ll demonstrate your higher-level skills.

Holding a doctorate degree doesn’t just show, it proves that you have mastered top level skills in writing, research and analysis. Many fields now demand top professionals to have these advanced abilities. They might emphasize applied or clinical research. With a professional doctorate degree, those skills are proven.

My PH. D. is in humanities education – and though I don’t deal with exactly what I studied every day – I do use the methodology I learned through my program to identify, analyze, articulate and solve complex problems. The educational process improves the way you analyze and are able to see connections. It is also a high honor.

4. You can grow your professional network.

Whether you’re taking your courses online or face-to-face, the people who become your classmates represent a wide swath of fields and sectors who are all there to improve themselves professionally, the way you are. These people become not only a great professional network, but become your support system.

Taking a variety of competitive people and putting them in a classroom together to challenge one another will help push all of you further than you could have gone by yourselves.

5. You could see an economic payoff.

An important reason to consider a doctorate degree is that in many fields, earning your doctorate could increase your earning potential with your current or future employers. Many top-level positions require candidates to have a doctorate degree.

After sacrificing time and money to get your degree, this might be music to your ears. But know going into it that some fields will have a higher payoff than others. Make sure you carefully consider your future earning potential when calculating your return on investment.

Want More? Related Articles:

  • Thinking of Going Back to School?
    Five tips for adult learners who are unsure if they can fit going back to school into their already jam-packed lives.
  • 5 Ways to Get the Most Out of Grad School
    Hear valuable insight from a recent graduate.
  • 8 Things You Need to Know about Graduate Certificates
    Not ready to commit to a degree program? Find out why a graduate certificate might be right for you.
  • Northeastern University is a top-tier research university that offers high-demand graduate programs aligned with the needs of industries around the globe. With a combination of online. hybrid, and on-campus degree programs in Boston. Seattle. and Charlotte. Northeastern gives you the best of classroom and online experience while providing you the freedom and flexibility to learn on your schedule.

    Contact one of our Enrollment Coaches toll free at 877-668-7727 for more information more about our doctoral programs or to get help registering.

    Request Information
    Take the first step by learning more. Apply now


    10 Business Valuation Calculators To Gauge Business Value #business #valuations

    #business valuation calculator

    #

    10 Business Valuation Calculators To Gauge Value of A Business for Sale

    Believe it or not, there’s no right or wrong way to work out how much a business is worth. Experts use loads of different valuation methods and the number those calculations come up with will vary greatly depending upon the criteria set forth.

    That being said, if you know exactly what it is you value in a business, it’s not hard to work out a ballpark figure. After all, nobody in their right mind would pay for an existing business without knowing what it’s worth.

    To help you get started, here are some of the Web’s top free business valuation calculators.

    10 Business Valuation Calculators

    1. CalcXML

    CalcXML has been providing a wide range of financial tools to small businesses for a while now. And the company’s valuation calculator is a tried-and-tested model.

    It’s a simple tool designed to give potential buyers a quick snapshot. It takes all of the basics into consideration, including: annual earnings, excess compensation and level of business risk. Best of all, it only takes a few minutes.

    2. EquityNet

    EquityNet is one of the globe’s leading pioneers in crowdfunding. Established in 2005, the platform works to connect thousands of entrepreneurs with investors of all shapes and size and has already helped start-ups across the globe raise hundreds of millions in equity, debt and royalty-based capital.

    As part of that mission, EquityNet provides a valuation calculator backed by real market data gathered from over 3,000 business across North America. That enables you to weigh the value of a business against potential competitors which is a factor some analysts often overlook.

    EquitNet also provides free calculators to work out a company s profit margin, cash flow and startup risk.

    3. ExitAdviser

    ExitAdviser is an online support service that enables business owners to connect with potential buyers. In line with that service, ExitAdviser plays home to an extremely quick business valuation calculator designed to give potential buyers quick quotes.

    To get an estimate, buyers simply need to enter net profit from a company’s most recent financial year and forecast its sales growth. That said, there are plenty of more advanced input options to help generate more accurate valuations.

    4. BizEx

    Like most free valuation calculators, BizEx hosts a platform based upon the ‘Multiple of Earnings’ method. But their calculator is far more advanced than most of the free models you’ll find kicking about on other sites.

    By including an in-depth breakdown of a company’s discretionary and multiple earnings, you’re able to create instant valuation ranges depending upon a range of variables. Afterwards, you’re given the option to talk these numbers over with a broker if you’re so inclined.

    5. Bridge Ventures

    The Bridge Ventures calculator is designed to create an estimated market value for a company based upon a diverse set of attributes. Technically speaking, this calculator is only meant to be used for small businesses with revenues of under $2 million.

    It’s worth noting this calculator is most compatible with Google Chrome, as there are a few unwanted kinks when opened on Internet Explorer. That said, it’s a simple calculator that renders quality results.

    6. Hadley Capital

    Hadley Capital ’s business valuation calculator is slightly different, in that it applies a multiple of EBITDA to determine the Enterprise Value of your business. In general, a small business will usually trade for around three or four times its normalized EBITDA. That said, the multiple will slide dramatically based upon a variety of characteristics specific to your business.

    This calculator understandably places particular emphasis on your annual EBITDA, annual capital expenditures and how much of your revenue comes from top customers.

    7. John Hancock Life Insurance

    John Hancock has been around for a long time. As such, you’d expect the company to have worked out a pretty reliable way in which to tally up the value of a business.

    First-time buyers may be inclined to check out this calculator, as it includes an incredibly useful glossary of terms designed to cut through all of the meaningless financial jargon associated with business valuations. It also clearly explains all methodologies involved in calculating your valuation.

    8. MassMutual Financial Group

    MassMutual is an all-encompassing insurance provider that represents over 13 million clients across the globe. Consequently, the company values user experience far more than some of the industry’s smaller websites. Its business value calculator is no exception.

    This user-friendly calculator very clearly and concisely walks you through every step of the valuation process in order to work out a decent estimate in as little as two minutes.

    9. HelpSME

    HelpSME is a great resource for small businesses in need of tutorials and advice. That’s why the site offers an easy-to-use valuation calculator using the Net Present Value (NPV) method. This approach uses a company’s future cash flows to try and work out how much it’s worth in the here and now.

    HelpSME’s calculator also includes useful guides designed to help you wrap your head around the value provided.

    10. National Life

    National Life is an all-encompassing collective of financial services companies, and its online valuation calculator draws upon that power in order to generate fairly well-informed market estimates.

    Similar to HelpSME, National Life’s calculator finds the worth of a company by looking at the present value of its expected future earnings. It places particular consideration on a company’s lack of marketability and excess compensation.

    In the same way that no two valuations are alike, it s crucial to bear in mind that this list is by no means exhaustive. There are loads of brilliant valuation calculators online that you can use in order to generate a snapshot of how much a business may be worth.

    Just remember: these free business valuation calculators aren t always accurate. At the end of the day, it s up to you to do your homework in order to ensure you ve put in (or accepted) the best possible offer for an existing company.

    Nash Riggins is a Staff Writer for Small Business Trends and an American journalist based in central Scotland. Nash covers industry studies, emerging trends and general business developments. His writing background includes The Huffington Post, World Finance and GuruFocus. His website is NashRiggins.com.

    Latest Trending Business News

    Editor’s Picks





    Cash-Value Life Insurance #permanent #life #insurance #cash #value


    #

    Cash-Value Life Insurance

    BREAKING DOWN ‘Cash-Value Life Insurance’

    Whole life, variable life and universal life are all types of cash-value life insurance. Cash-value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life. The other major category of life insurance is called term insurance, because it is generally in force only for a period of 10 to 30 years or until the policyholder cancels it. Cash-value insurance has higher premiums than term insurance because part of the premium pays for the death benefit coverage and part of it goes toward the policy’s cash value.

    How Cash-Value Life Insurance Works

    Cash-value life insurance is designed as a permanent form of life insurance that includes a death benefit component and a savings component. Most cash-value life insurance policies require a fixed level premium payment, a portion of which is applied to insurance costs with the balance deposited into a cash-value account. The cash-value account earns a modest rate of interest which is allowed to accumulate tax-free.

    Over time, the cash-value account grows, which reduces the mortality risk of the life insurer. That is because, upon the death of the insured, the insurer is only obligated to pay the death benefit, not the cash value, which it retains. The decreasing mortality risk is also the reason why the insurer is able to guarantee a fixed, level premium for the life of the insured.

    Cash-Value as a Living Benefit

    Owners of a cash-value life insurance policy can benefit from savings that accumulate in the cash-value account. Cash-value savings can be accessed in a number of ways. With some types of policies, the cash value can be withdrawn. Withdrawals are tax-free to the extent they don’t exceed the total amount of premiums deposited into the policy. However, withdrawals can have the effect of decreasing the death benefit amount.

    Most cash-value policies allow for loans to be taken from the cash-value. Loans will also decrease the death benefit amount. Although there is no requirement for the loans to be repaid, the death benefit is reduced by the loan amount. Loans do accrue interest, which can reduce both the cash-value balance and the death benefit further.

    Cash-value can also be used to pay the policy premiums. If there is sufficient cash-value, a policyholder can stop paying for premiums out-of-pocket for the life of the policy.


    10 Business Valuation Calculators To Gauge Business Value #business #website #design

    #business valuation calculator

    #

    10 Business Valuation Calculators To Gauge Value of A Business for Sale

    Believe it or not, there’s no right or wrong way to work out how much a business is worth. Experts use loads of different valuation methods and the number those calculations come up with will vary greatly depending upon the criteria set forth.

    That being said, if you know exactly what it is you value in a business, it’s not hard to work out a ballpark figure. After all, nobody in their right mind would pay for an existing business without knowing what it’s worth.

    To help you get started, here are some of the Web’s top free business valuation calculators.

    10 Business Valuation Calculators

    1. CalcXML

    CalcXML has been providing a wide range of financial tools to small businesses for a while now. And the company’s valuation calculator is a tried-and-tested model.

    It’s a simple tool designed to give potential buyers a quick snapshot. It takes all of the basics into consideration, including: annual earnings, excess compensation and level of business risk. Best of all, it only takes a few minutes.

    2. EquityNet

    EquityNet is one of the globe’s leading pioneers in crowdfunding. Established in 2005, the platform works to connect thousands of entrepreneurs with investors of all shapes and size and has already helped start-ups across the globe raise hundreds of millions in equity, debt and royalty-based capital.

    As part of that mission, EquityNet provides a valuation calculator backed by real market data gathered from over 3,000 business across North America. That enables you to weigh the value of a business against potential competitors which is a factor some analysts often overlook.

    EquitNet also provides free calculators to work out a company s profit margin, cash flow and startup risk.

    3. ExitAdviser

    ExitAdviser is an online support service that enables business owners to connect with potential buyers. In line with that service, ExitAdviser plays home to an extremely quick business valuation calculator designed to give potential buyers quick quotes.

    To get an estimate, buyers simply need to enter net profit from a company’s most recent financial year and forecast its sales growth. That said, there are plenty of more advanced input options to help generate more accurate valuations.

    4. BizEx

    Like most free valuation calculators, BizEx hosts a platform based upon the ‘Multiple of Earnings’ method. But their calculator is far more advanced than most of the free models you’ll find kicking about on other sites.

    By including an in-depth breakdown of a company’s discretionary and multiple earnings, you’re able to create instant valuation ranges depending upon a range of variables. Afterwards, you’re given the option to talk these numbers over with a broker if you’re so inclined.

    5. Bridge Ventures

    The Bridge Ventures calculator is designed to create an estimated market value for a company based upon a diverse set of attributes. Technically speaking, this calculator is only meant to be used for small businesses with revenues of under $2 million.

    It’s worth noting this calculator is most compatible with Google Chrome, as there are a few unwanted kinks when opened on Internet Explorer. That said, it’s a simple calculator that renders quality results.

    6. Hadley Capital

    Hadley Capital ’s business valuation calculator is slightly different, in that it applies a multiple of EBITDA to determine the Enterprise Value of your business. In general, a small business will usually trade for around three or four times its normalized EBITDA. That said, the multiple will slide dramatically based upon a variety of characteristics specific to your business.

    This calculator understandably places particular emphasis on your annual EBITDA, annual capital expenditures and how much of your revenue comes from top customers.

    7. John Hancock Life Insurance

    John Hancock has been around for a long time. As such, you’d expect the company to have worked out a pretty reliable way in which to tally up the value of a business.

    First-time buyers may be inclined to check out this calculator, as it includes an incredibly useful glossary of terms designed to cut through all of the meaningless financial jargon associated with business valuations. It also clearly explains all methodologies involved in calculating your valuation.

    8. MassMutual Financial Group

    MassMutual is an all-encompassing insurance provider that represents over 13 million clients across the globe. Consequently, the company values user experience far more than some of the industry’s smaller websites. Its business value calculator is no exception.

    This user-friendly calculator very clearly and concisely walks you through every step of the valuation process in order to work out a decent estimate in as little as two minutes.

    9. HelpSME

    HelpSME is a great resource for small businesses in need of tutorials and advice. That’s why the site offers an easy-to-use valuation calculator using the Net Present Value (NPV) method. This approach uses a company’s future cash flows to try and work out how much it’s worth in the here and now.

    HelpSME’s calculator also includes useful guides designed to help you wrap your head around the value provided.

    10. National Life

    National Life is an all-encompassing collective of financial services companies, and its online valuation calculator draws upon that power in order to generate fairly well-informed market estimates.

    Similar to HelpSME, National Life’s calculator finds the worth of a company by looking at the present value of its expected future earnings. It places particular consideration on a company’s lack of marketability and excess compensation.

    In the same way that no two valuations are alike, it s crucial to bear in mind that this list is by no means exhaustive. There are loads of brilliant valuation calculators online that you can use in order to generate a snapshot of how much a business may be worth.

    Just remember: these free business valuation calculators aren t always accurate. At the end of the day, it s up to you to do your homework in order to ensure you ve put in (or accepted) the best possible offer for an existing company.

    Nash Riggins is a Staff Writer for Small Business Trends and an American journalist based in central Scotland. Nash covers industry studies, emerging trends and general business developments. His writing background includes The Huffington Post, World Finance and GuruFocus. His website is NashRiggins.com.

    Latest Trending Business News

    Editor’s Picks





    Determining Your Car – s Value and Cost of Repair #replacement #value


    Determining Your Car s Value and Cost of Repair

    There are several standard guidelines for determining the value of your car for insurance purposes. You and your insurer can refer to one of the books that list the depreciated value of all new and used cars. One of these books is published by the National Association of Automobile Dealers another is published by Kelley Blue Book .

    When you file your claim, your insurance company will refer you to a claims adjuster. The adjuster will verify the loss and determine what it will cost to repair the car. The adjuster’s estimate can serve as a benchmark to which to compare your own mechanic’s estimate.

    No good adjuster or insurance company will expect you to sign an agreement accepting the insurer’s estimate as the total claim payment until you’ve established, to your own satisfaction, that it will cover the cost of repair. The insurer will expect you to get your own estimate from your mechanic, garage or car dealer. Don’t allow yourself to feel pressured into accepting the insurer’s estimate of repair costs without getting at least one estimate of your own.

    Your insurance company can’t require you to have repairs done at a particular shop. But they can insist that you get more than one estimate for the work to be done on your car. Just as you want to make sure that your car is adequately repaired, the insurer wants to make sure it doesn’t pay a grossly inflated repair bill.

    Don’t be surprised if your insurance company opts to pay for the lowest bid. You don’t have to accept that bid if you believe the low bid won’t adequately repair your car. Don’t hesitate to argue with the adjuster if you really believe his repair estimate is too low based on what your mechanic has told you.

    One factor that could reduce the amount of your claim for a repair job is what insurance companies call betterment. If your old car is repaired with brand-new parts, your insurer may argue that the repairs have actually enhanced the car’s value and therefore they can legitimately reduce your claim by the difference between a used part and a new one.

    It is up to your insurer to decide whether to pay for repairing your car or to declare it a total loss and pay you its book value. Most standard auto policies will not pay to repair a vehicle if the repairs cost more than the cash value assigned to the car. There won’t be any dispute about whether to repair the car if it was completely totaled. But you may argue about what the pieces of the car were worth when they were assembled as a car. For you to get a settlement higher than the book value of your car’s make and model, you will have to submit evidence such as mileage records, service history and affidavits from mechanics to show that your car was worth more. You’re entitled to the market price of the car you just lost. You shouldn’t get more or less than what you are due.


    10 Business Valuation Calculators To Gauge Business Value #low #investment #business #ideas

    #business valuation calculator

    #

    10 Business Valuation Calculators To Gauge Value of A Business for Sale

    Believe it or not, there’s no right or wrong way to work out how much a business is worth. Experts use loads of different valuation methods and the number those calculations come up with will vary greatly depending upon the criteria set forth.

    That being said, if you know exactly what it is you value in a business, it’s not hard to work out a ballpark figure. After all, nobody in their right mind would pay for an existing business without knowing what it’s worth.

    To help you get started, here are some of the Web’s top free business valuation calculators.

    10 Business Valuation Calculators

    1. CalcXML

    CalcXML has been providing a wide range of financial tools to small businesses for a while now. And the company’s valuation calculator is a tried-and-tested model.

    It’s a simple tool designed to give potential buyers a quick snapshot. It takes all of the basics into consideration, including: annual earnings, excess compensation and level of business risk. Best of all, it only takes a few minutes.

    2. EquityNet

    EquityNet is one of the globe’s leading pioneers in crowdfunding. Established in 2005, the platform works to connect thousands of entrepreneurs with investors of all shapes and size and has already helped start-ups across the globe raise hundreds of millions in equity, debt and royalty-based capital.

    As part of that mission, EquityNet provides a valuation calculator backed by real market data gathered from over 3,000 business across North America. That enables you to weigh the value of a business against potential competitors which is a factor some analysts often overlook.

    EquitNet also provides free calculators to work out a company s profit margin, cash flow and startup risk.

    3. ExitAdviser

    ExitAdviser is an online support service that enables business owners to connect with potential buyers. In line with that service, ExitAdviser plays home to an extremely quick business valuation calculator designed to give potential buyers quick quotes.

    To get an estimate, buyers simply need to enter net profit from a company’s most recent financial year and forecast its sales growth. That said, there are plenty of more advanced input options to help generate more accurate valuations.

    4. BizEx

    Like most free valuation calculators, BizEx hosts a platform based upon the ‘Multiple of Earnings’ method. But their calculator is far more advanced than most of the free models you’ll find kicking about on other sites.

    By including an in-depth breakdown of a company’s discretionary and multiple earnings, you’re able to create instant valuation ranges depending upon a range of variables. Afterwards, you’re given the option to talk these numbers over with a broker if you’re so inclined.

    5. Bridge Ventures

    The Bridge Ventures calculator is designed to create an estimated market value for a company based upon a diverse set of attributes. Technically speaking, this calculator is only meant to be used for small businesses with revenues of under $2 million.

    It’s worth noting this calculator is most compatible with Google Chrome, as there are a few unwanted kinks when opened on Internet Explorer. That said, it’s a simple calculator that renders quality results.

    6. Hadley Capital

    Hadley Capital ’s business valuation calculator is slightly different, in that it applies a multiple of EBITDA to determine the Enterprise Value of your business. In general, a small business will usually trade for around three or four times its normalized EBITDA. That said, the multiple will slide dramatically based upon a variety of characteristics specific to your business.

    This calculator understandably places particular emphasis on your annual EBITDA, annual capital expenditures and how much of your revenue comes from top customers.

    7. John Hancock Life Insurance

    John Hancock has been around for a long time. As such, you’d expect the company to have worked out a pretty reliable way in which to tally up the value of a business.

    First-time buyers may be inclined to check out this calculator, as it includes an incredibly useful glossary of terms designed to cut through all of the meaningless financial jargon associated with business valuations. It also clearly explains all methodologies involved in calculating your valuation.

    8. MassMutual Financial Group

    MassMutual is an all-encompassing insurance provider that represents over 13 million clients across the globe. Consequently, the company values user experience far more than some of the industry’s smaller websites. Its business value calculator is no exception.

    This user-friendly calculator very clearly and concisely walks you through every step of the valuation process in order to work out a decent estimate in as little as two minutes.

    9. HelpSME

    HelpSME is a great resource for small businesses in need of tutorials and advice. That’s why the site offers an easy-to-use valuation calculator using the Net Present Value (NPV) method. This approach uses a company’s future cash flows to try and work out how much it’s worth in the here and now.

    HelpSME’s calculator also includes useful guides designed to help you wrap your head around the value provided.

    10. National Life

    National Life is an all-encompassing collective of financial services companies, and its online valuation calculator draws upon that power in order to generate fairly well-informed market estimates.

    Similar to HelpSME, National Life’s calculator finds the worth of a company by looking at the present value of its expected future earnings. It places particular consideration on a company’s lack of marketability and excess compensation.

    In the same way that no two valuations are alike, it s crucial to bear in mind that this list is by no means exhaustive. There are loads of brilliant valuation calculators online that you can use in order to generate a snapshot of how much a business may be worth.

    Just remember: these free business valuation calculators aren t always accurate. At the end of the day, it s up to you to do your homework in order to ensure you ve put in (or accepted) the best possible offer for an existing company.

    Nash Riggins is a Staff Writer for Small Business Trends and an American journalist based in central Scotland. Nash covers industry studies, emerging trends and general business developments. His writing background includes The Huffington Post, World Finance and GuruFocus. His website is NashRiggins.com.

    Latest Trending Business News

    Editor’s Picks





    10 Business Valuation Calculators To Gauge Business Value #business #degree #online

    #business valuation calculator

    #

    10 Business Valuation Calculators To Gauge Value of A Business for Sale

    Believe it or not, there’s no right or wrong way to work out how much a business is worth. Experts use loads of different valuation methods and the number those calculations come up with will vary greatly depending upon the criteria set forth.

    That being said, if you know exactly what it is you value in a business, it’s not hard to work out a ballpark figure. After all, nobody in their right mind would pay for an existing business without knowing what it’s worth.

    To help you get started, here are some of the Web’s top free business valuation calculators.

    10 Business Valuation Calculators

    1. CalcXML

    CalcXML has been providing a wide range of financial tools to small businesses for a while now. And the company’s valuation calculator is a tried-and-tested model.

    It’s a simple tool designed to give potential buyers a quick snapshot. It takes all of the basics into consideration, including: annual earnings, excess compensation and level of business risk. Best of all, it only takes a few minutes.

    2. EquityNet

    EquityNet is one of the globe’s leading pioneers in crowdfunding. Established in 2005, the platform works to connect thousands of entrepreneurs with investors of all shapes and size and has already helped start-ups across the globe raise hundreds of millions in equity, debt and royalty-based capital.

    As part of that mission, EquityNet provides a valuation calculator backed by real market data gathered from over 3,000 business across North America. That enables you to weigh the value of a business against potential competitors which is a factor some analysts often overlook.

    EquitNet also provides free calculators to work out a company s profit margin, cash flow and startup risk.

    3. ExitAdviser

    ExitAdviser is an online support service that enables business owners to connect with potential buyers. In line with that service, ExitAdviser plays home to an extremely quick business valuation calculator designed to give potential buyers quick quotes.

    To get an estimate, buyers simply need to enter net profit from a company’s most recent financial year and forecast its sales growth. That said, there are plenty of more advanced input options to help generate more accurate valuations.

    4. BizEx

    Like most free valuation calculators, BizEx hosts a platform based upon the ‘Multiple of Earnings’ method. But their calculator is far more advanced than most of the free models you’ll find kicking about on other sites.

    By including an in-depth breakdown of a company’s discretionary and multiple earnings, you’re able to create instant valuation ranges depending upon a range of variables. Afterwards, you’re given the option to talk these numbers over with a broker if you’re so inclined.

    5. Bridge Ventures

    The Bridge Ventures calculator is designed to create an estimated market value for a company based upon a diverse set of attributes. Technically speaking, this calculator is only meant to be used for small businesses with revenues of under $2 million.

    It’s worth noting this calculator is most compatible with Google Chrome, as there are a few unwanted kinks when opened on Internet Explorer. That said, it’s a simple calculator that renders quality results.

    6. Hadley Capital

    Hadley Capital ’s business valuation calculator is slightly different, in that it applies a multiple of EBITDA to determine the Enterprise Value of your business. In general, a small business will usually trade for around three or four times its normalized EBITDA. That said, the multiple will slide dramatically based upon a variety of characteristics specific to your business.

    This calculator understandably places particular emphasis on your annual EBITDA, annual capital expenditures and how much of your revenue comes from top customers.

    7. John Hancock Life Insurance

    John Hancock has been around for a long time. As such, you’d expect the company to have worked out a pretty reliable way in which to tally up the value of a business.

    First-time buyers may be inclined to check out this calculator, as it includes an incredibly useful glossary of terms designed to cut through all of the meaningless financial jargon associated with business valuations. It also clearly explains all methodologies involved in calculating your valuation.

    8. MassMutual Financial Group

    MassMutual is an all-encompassing insurance provider that represents over 13 million clients across the globe. Consequently, the company values user experience far more than some of the industry’s smaller websites. Its business value calculator is no exception.

    This user-friendly calculator very clearly and concisely walks you through every step of the valuation process in order to work out a decent estimate in as little as two minutes.

    9. HelpSME

    HelpSME is a great resource for small businesses in need of tutorials and advice. That’s why the site offers an easy-to-use valuation calculator using the Net Present Value (NPV) method. This approach uses a company’s future cash flows to try and work out how much it’s worth in the here and now.

    HelpSME’s calculator also includes useful guides designed to help you wrap your head around the value provided.

    10. National Life

    National Life is an all-encompassing collective of financial services companies, and its online valuation calculator draws upon that power in order to generate fairly well-informed market estimates.

    Similar to HelpSME, National Life’s calculator finds the worth of a company by looking at the present value of its expected future earnings. It places particular consideration on a company’s lack of marketability and excess compensation.

    In the same way that no two valuations are alike, it s crucial to bear in mind that this list is by no means exhaustive. There are loads of brilliant valuation calculators online that you can use in order to generate a snapshot of how much a business may be worth.

    Just remember: these free business valuation calculators aren t always accurate. At the end of the day, it s up to you to do your homework in order to ensure you ve put in (or accepted) the best possible offer for an existing company.

    Nash Riggins is a Staff Writer for Small Business Trends and an American journalist based in central Scotland. Nash covers industry studies, emerging trends and general business developments. His writing background includes The Huffington Post, World Finance and GuruFocus. His website is NashRiggins.com.

    Latest Trending Business News

    Editor’s Picks