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PYŃ.=&0 finance – Penloom https://penloom.com News articles and more Tue, 17 Dec 2024 12:28:18 +0000 en-US hourly 1 https://wordpress.org/?v=6.7.9 https://penloom.com/wp-content/uploads/2022/01/cropped-favicon-32x32.png finance – Penloom https://penloom.com 32 32 Things to Know Before Filing for Bankruptcy https://penloom.com/things-to-know-before-filing-for-bankruptcy-2/ https://penloom.com/things-to-know-before-filing-for-bankruptcy-2/#respond Wed, 23 Nov 2022 12:55:36 +0000 https://penloom.com/?p=6327 Before diving deep into the sea of bankruptcy, you need to understand that;

Perhaps filing bankruptcy does whip up many stressful or gloomy emotions, but that doesn’t mean the end of the world; it could even be favorable for you.

To a person or a business drenching in debt, bankruptcy can be a lifeline; it allows them to come to terms with creditors and commence a new start. With bankruptcy, creditors can collect the debts they may anyway write off. Choosing to go through the procedure of bankruptcy is a very personal decision. It’s not an easy way to get out of what you owe, but oftentimes, it’s a fast and relatively effortless approach. The term “Bankruptcy” is well-known to almost everyone, yet there is a lot of chaos about what exactly bankruptcy means. In fact, you are here, because you want to know more about it; what say? Insightful! It is wise of you to decide for this; i am gonna cover everything about bankruptcy. So let’s begin…

A few carryouts

  • Bankruptcy is a lawful proceeding that allows people or businesses to be released from the debts meanwhile providing creditors an possibility for repayment 
  • Bankruptcy allows a fresh start; however, it’ll remain on  the credit reports for a few years, sometimes  making it tough to borrow in the future.
  • Though not all types of debts can be resolved through bankruptcy, it still helps people who have gotten over their heads financially figure out a plan to get away.

 

how to file bankruptcy

What is bankruptcy?

An option designed for a fresh start, bankruptcy allows you to form a court-approved plan to pay off or obliterate debts when they get to be overwhelming. It is a legal proceeding instigated when a person or a business owner cannot repay huge debts. In simple words, declaring bankruptcy is an approach or an alternative way to handle your debts when you find them challenging to pay.

Suppose you have large debts you can’t repay, are behind in your mortgage payments, are in danger of exclusion, and are almost being harassed by bill collectors—proclaiming bankruptcy might help you there. Bankruptcy, in some instances, lessens or eliminates the debts, saves your home, and keeps those bill collectors at bay. However, it also has some heavy influences, probably the long-term damage to your credit score. That makes it essential to know all of it! 

Let’s debunk the myths first!

There is so much misinformation related to bankruptcy that many people do not even consider filing in the first place. The fear of bankruptcy holds many people, and the myths make them feel more unnerved. Not really; a few of these myths are hyped mainly by the debt collectors who want to overlook bankruptcy– to protect their very interests! Truth be told, filing bankruptcy for debt relief is an important decision; you owe it to yourself and your family to establish that decision based on the facts. Below are the hyped mythologies you must not really be mindful of;

Everyone will find out if I file for bankruptcy; yikes

Not really! Nobody will find out unless you tell them. In fact, you probably have friends, co-workers, and even family members who might have filed for bankruptcy debt relief without letting anyone know, including you!

If I file for bankruptcy, the bankruptcy court will take all my belongings

No… Ne’er! Laws provide for generous exemptions that allow you to keep your home, car(s), and other important personal belongings; you don’t lose anything when you file bankruptcy for debt relief.

I’ll never have a credit card or eligible for a mortgage ever again if I file an bankruptcy

Complete fabrication! One of the most widespread but untrue myths. You’ll definitely get credit card offers within a few months after filing for bankruptcy debt relief, no matter what! Also, getting loans within one year after filing for bankruptcy debt relief is no big deal!

The debt collectors can choose not to accept your bankruptcy filing

Some creditors often suggest that bankruptcy debt relief cannot really make their debts go away, but that is exactly not the case here! A plain lie! No creditor has the legal authority to stop you from filing for bankruptcy. Lawfully it is your right!

Filing bankruptcy ravages your credit for life

Though you’ll indeed have to rebuild your credit after bankruptcy, it will be considerably easier to make a fresh start with a clean financial slate. So in the long term, bankruptcy debt relief actually improves your credit over a long time as it eliminates your debts.

file bankruptcy chapter 7

Types of Bankruptcies; you must know

Even though the general purpose of bankruptcy is to clear debt, not all bankruptcies are the same. There are three common types of bankruptcy, which are classified  into three kinds (chapters). Let’s have a glance:

Bankruptcy: Chapter 7

Also quoted as “liquidation,” this bankruptcy “Chapter 7” forgives most unsecured debts and is the fastest and most common type of bankruptcy. This helps consumers with primarily unsecured debts like; medical bills, credit card debt, or personal loans.

  • To qualify for Chapter 7 bankruptcy, you must pass the evaluation test that estimates whether your income is below certain limits.
  • A person who didn’t carry Chapter 7 discharge in the past eight years is the right fit for this type of bankruptcy filing.

Bankruptcy: Chapter 13

Also quoted as “wage earners” bankruptcy, which restructures debts into a settlement plan over three to five years. For this type of bankruptcy, the eligible person must have a regular income.

  • There should not be any filed bankruptcy petitions (Chapter 13 in the past two years or Chapter 7 in the past four years, specifically).
  • The person filing for this type of bankruptcy must be current on tax filings too.

Bankruptcy: Chapter 11

Also quoted as “reorganization” bankruptcy,  this chapter is generally used in the corporate world. Business owners who fail to run their business but want to keep operating after loss opt for this type of bankruptcy.

Other than these significant bankruptcy chapters, there are a few different types too;

Chapter 11: For individuals and businesses with exceptionally high debt. The debtor typically proposes a reorganized debt repayment plan that allows the business to keep operating  and repaypay creditors over an extended time-period. 

Chapter 12: Designed for the family who chooses agriculture as a living liek, farmers and fishers go for this type to restructure their finances to propose an installment plan for repayment.

Chapter 15: This one is the latest chapter added to the bankruptcy list, which primarily encourages cooperation between a foreign court or debtor and the United States courts.

Final words

The bankruptcy process can be daunting, but it exists for a reason! People fear filing for bankruptcy because they don’t want others to know they are struggling; this keeps them stuck in their financial mess, which is not fine! Hire a qualified bankruptcy attorney who can guide you more accurately and help with a successful filing. And please write to us if you want to have more information related to bankruptcy—would love to hear from your side!

]]> https://penloom.com/things-to-know-before-filing-for-bankruptcy-2/feed/ 0 Benefits of Automating Small Business Expenses https://penloom.com/benefits-of-automating-small-business-expenses/ https://penloom.com/benefits-of-automating-small-business-expenses/#respond Wed, 23 Nov 2022 11:51:51 +0000 https://penloom.com/?p=6290 Truth be told, beyond employee payroll and perks, corporate travel & entertainment are the second-largest controllable expense for businesses. Wait, how do you manage your business expenses? Manually… paper records and Excel sheets; I mean, really, in this era of automatization? See, here’s a thing, If your employees travel more often for work, they’ll be required to submit expense reports to receive a reimbursement. It’s a long tiring process for the company and the employees to deal with and comply with travel policies. However, keeping employees’ expense reports is vital to handling your cash flow, as this allows you to reimburse correctly your employee’s expenses they make.

But have you ever thought a slight misstep in the process could lead to many expense reporting crises? It goes without saying human errors are pretty common in calculations, especially when it’s accounting; incorrect claims, unclear policies, and even fraud are common issues that you might face in business. And sadly, if you own a small business, it can be more destructive.

What is business expense management?

Before anything else, you need to understand the key components of expense management in business. However, every organization has its specific structure and policies, and expense management varies. Irrespective of that, the standard expense management components are mentioned below:

expense management in business

Filling in expense reports

The documents like tickets, hotel bills, and invoices are collected once a business expense is carried. The refund claim is submitted along with all receipts and invoices to the department manager.

Reviews & approvals

The reimbursement submission basically goes through two or more review and approval phases. The first review and approval are done by the line manager; based on approval limits set for different approvers. The request may sometimes be routed to the Director too. Later the claim is submitted to the finance division for review and approval, and finally, the accounting team sends the payment and completes the process.

Book-Keeping/Records

The complete lifecycle of the expense request, from submission to payoff, is being recorded.

Data audits

Commitment to companies’ policies and constraints is essential for all business processes. That’s why the data collected by the expense management is validated and is used for auditing intents.

Budgeting

Concocting the annual funding and planning for future expenses is done based on the data assembled by the expense management system.

Budgeting

  • Let’s be frank; it is tedious: The entire process of managing expenses manually is time-consuming and eats up employees’ productive time.
  • It could be fraudulent sometimes: There are high chances of inflated or duplicated claims through manual expense management systems. Policy and ordinance compliance insufficiency mostly arise when expense management is done manually.
  • Inaccuracy: Of course, there are scopes of human errors; as humans run these manual processes. Sometimes the expense managing team might be overlooked, which can be troublesome.
  • Influence negatively on primary work productivity: When it is manually done, much time is spent on reporting, claiming, and validating expenses. Therefore the time spent on project-related activities is pared and consequently affects productivity and efficiency.

Expense management is something through which businesses compensate employees for money spent on business-related matters. But, as observed, it makes up a lump of a company’s financial outflow; expenses shouldn’t be managed using paper records, crinkly invoice or receipts, and Excel sheets. Then how? Start “Automating” the expense management process!

Yes, you heard it right… automation indeed helps companies to manage expenses efficiently with accuracy and precision!

expense automation in business

What is Expense Automation in business?

Finance teams across the globe have been known to help businesses to outperform with their strategies and foresight. Although their role has always been crucial, current financial changes in the marketplace have highlighted the demand for robust financial planning to bring sustainability to businesses. And this, as a result, gave rise to Expense automation, more like software for automated submission, approval, and recording of expense reports.

The expense management software aims to computerize all business-related expenses that take place in a company. Any scenario that entangles capturing, reporting, and reimbursing costs has the potential to be automated. Employees who pay out bills from their personal cards for the business get reimbursement for those expenses. Here are some common examples of those expenses:

  • Education/training fee
  • Transportation, lodging, and meals expense 
  • Equipment and supplies
  • Phone & internet bills
  • Postage & delivery bills

Employees may also incur “off-the-cuff” expenses— unexpected expenses arise while doing business. For example, a salesman offers overnight shipment to a client to crack the deal!

Benefits of automating small business expenses

An automated expense management approach undervalues perils in business, unlike the traditional expense management approach. Here are a few benefits of using expense management:

Benefits in favor of Employees:

It makes receipt tracking and reporting more efficient and easy! Most expense management software today in the business market offers effortless receipt tracking options to lessen the time and effort employees invest while reporting. 

It also helps employees get payment reimbursements promptly! An automated expense management software makes it easy for employees to submit compliant expense reports in no time! Moreover, it eliminates the need for ongoing hither and thither between stakeholders to ensure convenient expense report submissions, clearances, and final reimbursements.

]]> https://penloom.com/benefits-of-automating-small-business-expenses/feed/ 0 How Business Finance is Different From Public Finance? https://penloom.com/expert-suggested-tips-to-keep-your-pets-safe-during-winter/ https://penloom.com/expert-suggested-tips-to-keep-your-pets-safe-during-winter/#comments Tue, 22 Nov 2022 10:17:02 +0000 https://penloom.com/?p=6011 Any person goes crazy without the knowledge of finance, whether earning less or more. If you are also one who is still confused about how cash flows are managed, then continue to read this blog. In the end, you will understand the extensive money management in the business and public sector.

Before going deeper, let’s only understand the term FINANCE:

“Finance is the study of money and the number of investments a person, business, or government makes. It tells us how to manage the currency we are earning correctly.”

Now, we can move to the bottom, which means the base of Business and Public money management and how they differ. So, tight the seatbelt, and we will take you on a long drive of financial knowledge.

BUSINESS FINANCE

What is Business Finance?

Businesses need the funds to sustain and also expand. Business finance covers financial opportunities and helps companies to buy capital assets. It helps meet the issues of demand and supply, cash fluctuations, and leverage money to get required machinery and equipment.

As we are in a growing world where entrepreneurship is gaining value, many startups need Business Finance. They get the funding to keep their business running for an extended time.

Business Finance Methods

Generally, two main types of business finance methods are “Equity” and “Debt.” We have shared information about them below:

Equity Finance

The first type is “Equity Finance,” where the company’s ownership depends on the investors. The measure of the ownership is identified by analysing the investments. The stakeholders and investors put their money into the business. They have their stakes for every profit and loss in the future.

Debt Finance

At the initial stage of the business, every new business needs to take on many debts. It helps in starting the business and expanding it to new markets. The cost helps in getting new subsidiaries, expanding operations, and hiring the staff to achieve the goals.

Advantages of Business Finance

Most commonly, the modern business faces the initial burden of finding and setting up. After some stability, the goal is to sustain the company longer. It all gets easier with Business Finance. Here are some benefits of using it:

  • It helps the industries to get the quality infrastructure for the best in-house operations.
  • It enables businesses to hire qualified professionals to make the work successful.
  • It improves the cash flow in the industry and focuses your team on the target goals.
  • It allows the enterprises to manage their financial risk in a better way.

public financial management

PUBLIC FINANCE

What is Public Finance?

Now, let’s move on and understand “Public Finance.” It involves the proper management of a country’s revenue which is broader than business finance. Public finance comprises various expenditures and debt loads through various public institutions. This finance makes any country’s domestic and international financial growth and development possible. Similarly, it affects each stakeholder of the nation.

We can understand that every country needs money to run. Generally, the overall revenue is collected from various taxes and investment returns. It gets used in multiple expenditures like salaries to staff, healthcare, etc.

Public Finance Types

Knowing the types of public finance will tell you how cash flows in the country. Check the types of Public Finance for a better understanding of the concept:

  • Public Revenue

It is a type of public finance that collects money from the public. The collection gets done with the help of direct or indirect taxes, fines, maintenance, penalties, fees, etc.

  • Public Expenditure

The money involves the expenditure for the public, such as basic health facilities, educational benefits, infrastructural facilities, and more.

  • Public Debt

When expenditure exceeds, the government can always take help of debt in order. It helps in completing the needs of the country and running the economy.

  • Financial Administration

This type helps you manage the public finance and address the requirements of the government, including salaries to general electives, budget to maintain the communal heritage, and so on.

business financing companies

DIFFERENCES BETWEEN BUSINESS & PUBLIC FINANCE

Until now, we shared a lot of business and public finance information. But now we want to describe the things that work differently in each. Below is the table of the main differences between the two finances.

Find out what distinguishes them from each other:

BUSINESS FINANCE

PUBLIC FINANCE

Business finance is related to the expenditure and funding for business firms.

Public finance is more concerned with the expenditure and borrowings of the economy and government.

A business or owner of the industry has the power to control spending.

Government has the control over managing the money according to the size of expenditure for different areas.

It is focused on maximising profits.

It is more inclined towards promoting social welfare.

The preference of the overall budget in business finance is surplus.

The government is more favourable toward a deficit budget. 

Every transaction in business finance is hidden.

Each transaction in public finance remains open to everyone.

There is no time limit for maintaining business finance.

Government has a time of one year for public finance.

 

CONCLUSION

Here we completed a whole journey of elaborating the necessary points to you. We explained enough about business and public finance. Every detail above will enlighten you with the basic knowledge of these finances. It will make your minds a little clearer about what they are and how they are different.

In business finance, some needless expenses can get avoided. But the government can not delay the expenditures when it comes to public finance.

]]> https://penloom.com/expert-suggested-tips-to-keep-your-pets-safe-during-winter/feed/ 2 How to Get Started With Cryptocurrency Investment? https://penloom.com/how-to-get-started-with-cryptocurrency-investment/ https://penloom.com/how-to-get-started-with-cryptocurrency-investment/#comments Tue, 22 Nov 2022 07:40:01 +0000 https://penloom.com/?p=5945 A decentralised digital currency, which was created as a reward to the process called mining, has achieved an unexpected great fate. Crypto has become a new money making cool among people and individuals are educating themselves over the same. But the crypto market has not been full of highs only. The graph obtained a new high from Elon Musk’s tweets, hit the new bottom over the rising sustainability concerns; crypto market has seen a lot of fluctuations. 

The relatively new and unstable crypto market has earned a lot of investors riches. It’s the unprecedented growth that is attracting a lot of investors. 

Undoubtedly the crypto market is full of risks, but investing is not all about gamble and geusses. It requires the background knowledge of coins, the basic knowledge on the functioning of the market. In short it requires you to do a substantial amount of research and homework. 

In that case this write up is all about helping you with your homework assignment. You need to be well versed with the basic steps before asking for consultation even.

What exactly is cryptocurrency?

Dating back to 2009

Bitcoin was the first and currently is a highly valued cryptocurrency, which Satoshi Nakamoto first outlined in a paper entitled ‘Bitcoin: A Peer-to-Peer Electronic Cash System’ in 2008. 

In 2009 Bitcoin, based on blockchain technology, was launched in the market, and it opened gates for many investors. Bitcoin valued $00.00 in 2009 in contrast to $ 43,671 in 2022.

How do you define cryptocurrency?

Cryptocurrency is digital money that uses digital files as money. Cryptocurrency is different from other forms of digital money in a way that it is decentralised, unlike bank authorised digital money, which the government centralises.

Why invest in crypto?

The future of digital money

There is a lot of buzz around crypto currency, it can be analysed from the fact that people are showing a great interest in the same . Moreover, the soaring market and remarkable profits are attracting more people to the game. For instance, Bitcoin has observed a remarkable growth rate of 4,667.60% in the last five years. Amidst the rumours of cryptocurrency getting banned in some nations, the crypto market conversely is experiencing rocketing figures. 

Despite the heavy regulations and restrictions, successful crypto campaigns and business models are being organised. It is difficult to disrupt the well-reputed crypto ecosystem already established and has become an integral part of the economy. Therefore, imposing a ban is practically extremely difficult.

A money-making gamble

In contrast to conventional forms of currency, cryptos do not require a lot of complex paperwork; this makes cryptocurrency highly desirable among people.

All-day and every hour

Unlike the traditional stock market or banks that take breaks on weekends and holidays, the crypto exchange does not break even then. Cryptocurrency operates 24✕7✕365; therefore, there is no fear of the market remaining closed or open.

Sole ownership

Unlike the equity market, mutual funds or stock markets where a third party manages your investments, here, in the case of cryptos, you are the sole owner of your digital asset.

User autonomy is the most significant benefit of cyber currency, as this provides you ample opportunities to invest and build your mass investment on your principal capital.

Phenomenal profit potential

Stock market incurred minimal profits during covid 19; the crude oil prices crashed below zero; when the gold investment returned 16%, the bitcoin yielded a gain of 26%.

Like bitcoin, other cryptocurrencies in your portfolio would also have protected your investment in such unprecedented times. If you are planning to put money into crypto coins, then there are several steps that you need to follow.

Investing in Crytocurrency

How to Start Investing in Cryptocurrency?

Step 1: Do your research first

Before making an investment decision, you should be familiar with the subject you know nothing about, not that you have to master everything. After all, one becomes an expert with experience, but you should be accustomed to the jargon.

Step 2: Choose a crypto trading service or venue

Popular trading services and venues for cryptocurrency investment include cryptocurrency exchanges, brokerages and payment services. The most convenient option of these three is cryptocurrency exchanges, as they offer a wide range of features and more crypto options for trading. There are many options concerning the platforms of exchange.

You can buy, sell or hold a cryptocurrency by signing up for a cryptocurrency exchange. The best feature of this practice is that it allows users to trade crypto, withdraw or invest at their convenience. Don’t worry! All the transactions are secured because they are made to personal online wallets.

Step 3: Connect your exchange to the payment platform

After choosing the exchange platform, you will have to submit some personal information as per the exchange’s requirements. After verification, the application will ask you to select a payment method. The specific payment mode can be directly linked to your bank account, debit card, PayPal account or credit card. Experts don’t advise choosing a credit card for purchasing crypto coins because the volatility in the market can result in price inflation.

Step 4: Choose Cryptocurrency

You must have heard of just a few names from cryptos like Etherium, Bitcoin, Dogecoin, Shiba, etc. Interestingly, there are over 5300 digital coins available on the platforms. Most cryptos are related to some technology; checking their background and progress is crucial as the properties should match your long term or short term plans.

Step 5: Secure your Crypto wallet

If you have a hot wallet or use crypto for purchasing, safeguarding your cryptocurrency becomes essential. Most people prefer using a VPN (Virtual Private Network) to ensure encrypted and secure online transactions.

Data encryption is an additional layer of protection that ensures that data and crypto purchases are anonymous; in other words, no one has access to any of the users’ online transactions. It makes hacking of users’ accounts difficult.

BlockChain Stocks

Tips to consider before investing in blockchain technology

There are some points that one needs to keep in mind before starting their investment journey.

Don’t invest too much money.

You need not spend all your savings to get more significant returns; you need to be cautious while making investments. A fraction of your savings invested in cryptos makes a lot of sense for beginners.

Have a diverse portfolio

If you are an amateur, then consult an experienced investor before investing. You need not invest all your funds in single crypto, instead, check for profiles of different coins and plan your investment accordingly. You can keep a percentage of your net planned amount for a specific coin.

A new start

You will get a better insight of the crypto delicacies with time. The crypto profits can be your reliable source of income, if invested with might. Take one step at a time and unravel your crypto journey!

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