Category: Budgeting

Chart of 15 and 30 Year Fixed Mortgage Averages in United States

The graph shows that mortgage rates for fixed-rate mortgages: the 15-year and 30-year. Every data point is the average rate offered at that point in time for new mortgages. It should be noted that the graph shows the most current rates, which few people with existing mortgages are actually paying. Homeowners that have existing mortgages…
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How Time, Pressure and Money Affect a Business’s Value

Time, Pressure and Money is a theory that is key to understanding three key factors that affect the process of selling a business and the sales price.  The chart below shows the best postion for a business considering selling and the worst position for a business needing to sell.   As the chart shows, selling…
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Chart of Average Weekly Hours Worked in UK from the Year 1260 to 2016

The chart below was constructed by the Bank of England as part of the Three Centuries of Macroeconomic Data project by combining data from a number of academic and official sources. Understanding hours worked helps determine the amount of time available for leisure and the measurement of productivity depends on the measurement of hours worked.…
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Importance of Proprietary Product Lines and Brands to the Business

Proprietary Product Lines and Brands Help a Company! Proprietary product lines and brands provide a business with complete ownership and control over their product lines and brands. A business with proprietary lines and brands controls the product’s price, quality, branding, and image in distribution. With proprietary product lines and brands the business controls distributor’s sales…
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Graph of U.S. Net Exports of Technology from January 1967 to March 2021

Net exports of technology are measured as royalties and license fees received minus royalties and license fees paid as a percentage of GDP. Net exports of technology are measured as royalties and license fees received minus royalties and license fees paid as a percentage of GDP. The Siburg Company specializes in buy-side and sell-side mergers…
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Timing When to Sell a Business

Timing is important, but how often does someone actually get the timing just right? Wait and the timing will be better.  Do it now because the timing is right.  Wait too long and the timing is wrong.  Sometimes people just make the decision to sell and the stars align.  The business is ready to sell,…
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Chart of Personal Saving Rate from January 1959 to May 2021

Personal saving is a percentage of disposable personal income (DPI) and is calculated as the ratio of personal saving to DPI. Personal saving is equal to personal income less the personal outlays and personal taxes; it may be viewed as the portion of personal income that is used either to provide funds to capital markets,…
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Being Cheap Can Cost Money

Everyone has experienced the cost versus value decision.  Should I buy the best or the cheapest product that I am looking for?   Sure, there are times that buying a lesser quality or last year’s model will have little to no effect on the product you are looking to purchase.  If you are buying a…
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The Value of an In Person Trade Show

For large and smaller companies, national trade shows can be very expensive and can be one of the largest uses of a company’s marketing dollars. Look at all of the costs associated with trade shows from the booth, to prepaying for exhibit space, all the shipping costs to get trade show items there and back,…
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Graph of CPI and PPI from December 1950 to March 2021

As of March 2021, both the CPI (Consumer Price Index) and PPI (Producer Price Index) have shown increases.  The CPIs are based on prices for food, clothing, shelter, and fuels; transportation fares; service fees, such as water and sewer service, and sales taxes. The producer price index (PPI) measures the price that industrial producers get…
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