ࡱ> 5@ TFbjbj22 "|XXN>    CCCC$Dp2D:DDDDEEEppppppp$qRt'pFEEFF'p  DD 2:1, liquid assets / current liabilities > 1:1). People who record cash receipts on the bank deposits are different form those who post it to the accounts receivable and general ledger. Checks should be endorsed immediately for deposit only. People who sign checks should not prepare the vouchers or record the disbursements and post the accounts payable and general ledger. The person who reconciles the bank statement should have no regularly assigned functions related to cash receipts or cash disbursements. Billing and Accounts Receivable Systems: Billing consumers for the orders. Receiving payments for the orders and crediting customers for payment (whether cash, check, or credit card). Starting the collection process for delinquent receivables. Customer Service Systems: Returns procedure for inventory receiving and customer payment return. Responding to customer complaints. Replacing defective product or performing other warranty service. Accounts Payable Systems: Purchasing procedures and approvals required. Payment process for supplies and inventory. Petty cash. Marketing Systems: Creating an overall marketing plan. Designing and producing promotional materials. Developing general leads and prospects. Creating an advertising plan. Creating a public relations plan. Creating a direct mail plan. Developing and maintaining a database. Developing and maintaining a web site. Analyzing and tracking sales statistics. Human Resources Systems: Hiring procedures and employee agreements. Training employees. Payroll process and benefit plans. General Accounting Systems: Managing the accounting process with daily, weekly, monthly, quarterly, and annual reports. Managing cash with future borrowing needs secured and available. Budgeting and forecasting. Reporting payroll taxes and withholding payments. General Corporate Systems: Negotiating, drafting, and executing contracts. Developing and protecting intellectual property. Managing insurance needs and coverage. Reporting and paying federal and state or other jurisdictional taxes. Planning for federal and state or other jurisdictional taxes. Managing and storing records. Maintaining investor/shareholder relations. Ensuring legal security. Planning and managing growth. Physical Space Management Systems: Maintaining and designing telephone and electrical sy6stems. Planning permits and fees. Licensing. Ensuring physical security. Chapter Thirty-Five Legal Management: It is important to seek legal protection for your intellectual property, only then does it become an asset. Chapter Thirty-Six Product Management Phase IV Who is a Sophisticated Investor?: Chapter Thirty-Seven How a Sophisticated Investor Thinks: Always think in terms of financial statements Chapter Thirty-Eight Analyzing Investments: Gross Margin % = (Sales Costs of Goods Sold) / Sales Net Operating Margin % = [EBIT (Earnings before interest and tax)] / Sales Operating Leverage = Contribution / Fixed Costs Financial Leverage = Total Capital Employed (Debt and Equity) / Shareholders Equity Total Leverage = Operating x Financial Leverages (Keep Under 5) Debt / Equity Ratio = Total Liabilities / Total Equity (1:1 or below) Quick Ratio = Liquid Assets / Current Liabilities Current Ratio = Current Assets / Current Liabilities Return on Equity = Net Income / Average Shareholders Equity Consider at least three years of these figures. Real Estate: Does the property generate a positive cash flow? If yes, have you done your due diligence? Cash on Cash Return = Positive Net Cash Flow / Down Payment Due Diligence Checklist: Current rent roster with paid to dates List of security deposits Mortgage payment information Personal property list Floor plans Insurance policy, agent Maintenance, service agreement Tenant information: leases, ledger cards, applications smoke detector forms List of vendors and utility companies, including account number A statement of structural alterations made to the premises Surveys and engineering documents Commission agreements Rental or listing agreements Easement agreements Development plans, including plans and specifications and as built architectural, structural, mechanical, electrical and civil drawings Government permits or zoning restrictions affecting development of property Management contacts Tax bills and property tax statements Utility bills Cash receipts and disbursement journals pertaining to the property Capital expenditure disbursement records pertaining to the property for two years prior to the submission date Financial statements and state and federal tax returns for the property A termite inspection form and content reasonably satisfactory to the buyer All other records and documents in sellers possession or under sellers control which would be necessary or helpful to the ownership, operation or maintenance of the property Market surveys or studies of the area Construction budget of actuals Tenant profiles or surveys Work-order files Bank statements for two years showing operating account for property Certificates of occupancy Title abstract Copies of all surviving guarantees and warranties Phase I Environment Audit (if exists) for every investment.  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