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Companies around the world are working the same way. They go into business, manage their expenses and try to make a profit. It's a proven concept that can be applied to personal finance as well. Think of yourself as your own small business. To keep your business running smoothly, you need to look at your books. Exploration starts with comparing your income and expenses. In this article, we'll show you how to apply money management concepts for businesses to your own financial situation.

Burn Rates
Most start-up companies are not profitable. Your initial funding is spent to get the business up and running. The clock is ticking, and running out of money before you make a profit is worry no. 1. The rate at which a new company is spent is called the burn rate Designated. By tracking the rate at which money is being burned, it's easy to tell how long the company can survive. (To learn more about burn rates, read Don't get burned by burn rate.)

Applying this concept to your personal finances is simple. Think of your paycheck and consider it the seed money for your retirement, as reaching retirement with a decent amount of money in the bank is your ultimate goal. If you "burn" your money too quickly, you won't have more left for your savings and you'll likely go right into debt if you dip into your existing savings. (Learn more about saving for retirement in Retiring in Style , Setting Your Post-Work Income and How to Become a Millionaire .)
If you net $50, 000 a year and spend $55, 000, you are working at a $5, 000 loss. How long could you possibly last if you burn through $5 each year.000 in cash burn? Not very long! Unless you have a huge stash of cash in the bank.
At first glance, you may think it's unlikely that you're spending more than you earn, but easy credit and bad habits have put more than a few people in this category. It's also too easy for many to dip into their savings when a new product or service becomes available.

Elementary insurance against damage caused by storms and floods

Without the right insurance, the dream of owning your own home can become a financial nightmare. Insurance cannot eliminate the risks, but it can at least cover the financial consequences. The value of most homes is in the six-figure range. In comparison, insurance costs are low. Here you should not save at the wrong end.

Once you have moved into the house, homeowners insurance is necessary. It comes into force in the event of damage to the house caused by fire, mains water, burst pipes, and storm and hail. The residential building insurance can still be extended by a protection against elementary damages. This includes flood and backwater caused by floods, subsidence, landslides, avalanches, volcanic eruption and earthquakes. How useful this extension is depends primarily on the geographic location of the property. In some areas, such natural phenomena are more likely than elsewhere.

Homeowner's insurance is also recommended. This provides coverage for a household's inventory, which includes furnishings, utensils and consumables. It comes into effect in the event of damage caused by fire, mains water, storm, hail, burglary, robbery and vandalism. Here, too, it may be advisable to include insurance against damage caused by natural forces.

A balance sheet of general size is an alternative form of traditional financial statements. Where a normal balance sheet expresses information as total financial numbers for a given period, a joint balance sheet shows each number as a percentage of the total value for a class of financial information. For example, if a business lists $1,000 (USD) in accounts receivable and total balance sheet current assets of $8,000, the general size statement would list accounts receivable as 12.Report 5 percent (1,000 / 8,000). Each section of the balance sheet-assets, liabilities, and equity or retained earnings-is presented this way.

Balance sheets are usually divided into the above sections. Each section includes a total figure so managers can determine the amount of assets, liabilities, and equity in their respective companies. Using the figures above, assume that the following appears on a regular balance sheet: $1,200 cash, $1,000 accounts receivable, $5,000 inventory, and $800 marketable securities. The common size balance sheet would present this information as 15 percent cash, 12.5 percent accounts receivable, 62.Show 5 percent in inventory and 10 percent in marketable securities, for a total of 100 percent.

Creating a single-size balance sheet can help business owners and managers spend less time reviewing their company's financial information. While it's important to know the total dollar value of items, showing it as a percentage allows owners and managers to figure out where the business has the most cash. For example, large inventories may indicate lower cash balances. High accounts receivable may mean lower cash and inventory balances, as businesses sell more goods on account than cash sales. Liabilities can also tell similar stories. Significant increases in accounts payable, lines of credit, or other current liabilities may indicate that a company needs external financing for its operations. This situation may lead to difficult future cash flows and other business situations in future years.

Private debt has finally outgrown its niche existence in Europe, says Patrick Hug of Zurich Invest. According to the expert, direct lending in particular is likely to grow even further and offers attractive advantages for institutional investors. However, when selecting investments, he said, it is necessary to take into account important key aspects.

According to Preqin, the global private debt market is expected to grow to 887 billion euros by June 2020. U.S. dollar grown. This makes it the third largest private market behind private equity and only slightly smaller than the real estate market. While in earlier years the market was dominated by mezzanine and subsequently also distressed solutions, direct lending now accounts for the lion's share of almost 50%. "Originally far behind the U.S. market, the direct lending market in Europe has had a brilliant catch-up campaign. Further growth in this segment is quite realistic, which will continue to provide attractive terms to investors in Europe", Patrick Hug, Senior Investment Analyst, Investment Management at Zurich Invest, is convinced. Moreover, direct lending has the most defensive orientation of the asset class and is therefore suitable for supplementing traditional fixed-income investments with a high-yield component.

Not even the outbreak of the Covid 19 pandemic has been able to influence the interest of investors in the long term. Many direct lending managers have been adept at leveraging the current lending environment in favor of their investors. They, in turn, appreciate the higher interest income compared to public loans, coupled with reduced volatility. Hug believes that the stable development of direct lending investments during this turbulent period has further strengthened investors' confidence in this asset class. The sharp increase in capital committed by clients and yet to be invested, or drypowder, reflects recent market growth, but has declined both relative to overall market size and relative to private equity drypowder. The demand for private credit financing can therefore be expected to remain high in the future as well. This need for debt capital also exists for companies that have not been affected by the pandemic or have even benefited from it.

As history shows, economic downturns are usually over by the time they are recognized. From a portfolio perspective, according to Peter Bezak of Zurich Invest AG, bonds have generated positive returns in past recessions. Another insight: even when interest rates are low, bonds can stabilize your portfolio.

It is the most reliable leading indicator of economic activity in the U.S. and is even considered a gauge for the entire global economy: the Purchasing Managers Index (PMI), also known as the ISM Purchasing Managers Index. The PMI is published by the Institute for Supply Management (ISM) and is a weighted index consisting of the sub-indices new orders, production, employment, shipments received, and inventories. A value above 50 points signals rising industrial production and a value below 50 points signals declining industrial production. During the past recessions, this value has always fallen to around 40 points or even lower.

US ISM Purchasing Managers Index

Generally, an economy is said to be in recession when it experiences two consecutive quarters of negative gross domestic product (GDP) growth figures. According to this definition, the economic history of Switzerland over the last 35 years reveals a surprising number of recessions, nine to be exact. "It is notable that each of the last seven recessions in Switzerland lasted only two quarters. In view of the dynamics in the financial market crisis in 2008, this is particularly remarkable. However, the further back in history we look, the longer the recessions lasted", explains Peter Bezak, investment expert at Zurich Invest AG.

Some may object that this reallocation is not so easy to implement in the current situation. This is actually true. In times of crisis, some popular forms of investment fall through the cracks and it is difficult to find the right ones. We filter a bit at this point:

What tangible assets are there?

Precious metals: Are certainly number 1 here and must not be missing in any crisis precaution. However, it is advisable not to put all your eggs in one basket and buy only gold and silver. My recommendation is to invest about 30 to 50 percent of disposable assets in precious metals, divided into one-third gold and two-thirds silver.

Real estate: is not recommended for several reasons. The danger of a state seizure by means of a forced mortgage, as happened after the Second World War, can no longer be ruled out. The state itself does not earn money and must refinance itself again and again. Real estate is, as the name suggests, not mobile and therefore the owners cannot withdraw these values from the grasp of the state. Data collection through surveys (most recently the 2011 census) provides the authorities with the basis for such a measure. It could happen that the state registers a mortgage on each property and plot of land, which the owner must subsequently pay off. Regardless of whether the house is paid off or not.

Vienna (APA) – Austria's presidency, led by Chancellor Angela Merkel, is presenting itself as a pro-European and bridge-builder to the restive eastern member states .

Vienna (APA) – The black-blue federal government led by Chancellor Sebastian Kurz (oVP) presents itself as emphatically pro-European and as a bridge-builder to the restive eastern member states. However, with its plan to index family allowances, which apparently contradicts EU law, the bank is putting itself in a difficult position before the start of Austria's EU presidency.

"Under current legislation, this is not allowed," EU Social Affairs Commissioner Marianne Thyssen made clear back in December 2016. At that time, still under red-black, the oVP had launched a first attempt to cut family allowances. Austria would save only a fraction of the total child allowances and at the same time incur a higher administrative burden, the Belgian Christian Democrat argued. It did not want to "sacrifice the principle of fairness for a few peanuts," it told its Austrian party colleagues.

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Perhaps this week marks the turning point from which the pendulum swings back from the post-financial crisis flood of bank regulation to deregulation, says William Hines of Aberdeen Standard Investments. Still, it should be ensured that deregulation supports, not hinders, a fully functioning economy.

This week, the Federal Reserve proposed tightening U.S. bank stress tests and reducing the amount of capital that large U.S. banks must hold. The stress testing measures, which target the capital buffer for stress situations, actually suggest a reduction in capital-related requirements for banks and mean that banks will now only have to meet one set of criteria instead of two different ones, says William Hines, investment manager at Aberdeen Standard Investments. Capital requirements will increase slightly for large banks and decrease slightly for small banks, he said.

The move would also complicate the calibration of capital requirements for the larger, more complex banks. That makes sense: because the larger banks are more significant to the financial system, better equipped and therefore better able to meet the requirements. The expert says other recommendations from the U.S. regulator also make sense: For example, the buffer should now be based on a steady balance sheet in a stressed environment, rather than one that continues to grow. "Correct to assume that in reality, not many bank balance sheets will continue to grow in a stress scenario", says Hines.

The registration of a real estate acquisition in the land register is the legal transfer to the new owner. This has to take place as soon as possible after the purchase. In the case of a home loan, two types of land register entry occur: The entry of the right of ownership and that of the lien of the bank. Both cause costs.

The most important facts in brief

• Only the entry in the land register makes the purchaser of a property also legally the owner.
• The land register entry of the right of ownership costs 1.1 % of the purchase price.
• The land register entry of the lien costs 1.2 % of the mortgage.
• The duration from application to land register entry varies from municipality to municipality and can be between two weeks and several months.

What is the land register?

The land register is a public directory of all properties assigned to a district and their rights and encumbrances. It is available in the respective district court. Everybody can have a look. In the meantime, it is also possible to order land register excerpts online or to commission a lawyer or notary to do so.

Why do you need a land register entry?

Only the registration of the ownership in the land register makes the buyer also legally the owner of the property. The sales contract alone and even the handover are not enough. In addition, the land registry entry contains important information regarding the land concerned.