CA CMA Syam sundar

  Cash Flow Problem Solver — Lessons from Bryan E. Milling Cash flow isn’t just numbers on a spreadsheet — it’s the oxygen of business survival. Bryan E. Milling’s Cash Flow Problem Solver (a timeless classic from the 80s–90s) breaks down the most common liquidity traps and offers practical fixes. I’ve distilled each chapter into bite-sized insights, examples, and quotes you can apply today 📊 Chapter 1: Understanding Cash Flow - Quote: “Profit is opinion. Cash is fact.” - Summary: Explains why businesses fail not from lack of profit, but lack of liquidity. - Example: A retailer shows profit on paper but collapses when suppliers demand payment before customers pay. - Takeaway: Always track inflows/outflows, not just net income. 🧾 Chapter 2: Receivables Management - Quote: “A sale isn’t a sale until the cash is collected.” - Summary: Focuses on tightening credit terms and accelerating collections. - Example: Offering 2% discount for payment within 10 days vs. 30-day terms. - T...

  Virtual CFO Services – A Complete Overview 🧩 What is a Virtual CFO? A Virtual CFO (Chief Financial Officer) is an outsourced finance professional or firm that provides high-level financial management and strategic advisory services — similar to an in-house CFO, but on a part-time or remote basis. They are ideal for startups, MSMEs, and growing businesses that need financial expertise without the cost of a full-time CFO. 🎯 Why Businesses Need Virtual CFO Services 1. Cost-Effective: Get expert financial services without hiring a full-time CFO. 2. Scalability: Services can scale as your business grows. 3. Expert Insights: Access to experienced professionals who bring industry best practices 4. Focus on Core Activities: Management can focus on business operations while finance is handled efficiently 5. Compliance Support: Ensure proper tax filing, accounting, and audit readiness. 6. Strategic Decision Support: Helps in budgeting, cash flow forecasting, and financial planning. ⚙️ Ke...

  Basic Accounting & Finance Formulas 1. Gross Profit = Sales - Cost of Goods Sold 2. Gross Profit Margin = (Gross Profit + Sales) × 100 3. Operating Profit = Gross Profit - Operating Expenses 4. Operating Profit Margin = (Operating Profit + Sales) x 100 5. Net Profit Operating Profit - (Taxes + Interest) 6. Net Profit Margin = (Net Profit + Sales) × 100 7. Return on Investment (ROI) = (Gain Cost) × 100 8. Return on Equity (ROE) = (Net Profit ÷ Shareholders' Equity) × 100 9. Asset Turnover = Sales + Total Assets 10. Inventory Turnover = Cost of Goods Sold ÷ Average Inventory 11. Days Sales Outstanding (DSO) = (Accounts Receivable Sales) × Number of Days 12. Days Inventory Outstanding (DIO) = (Inventory ÷ Cost of Goods Sold) x Number of Days 13. Current Ratio = Current Assets + Current Liabilities 14. Quick Ratio = (Current Assets - Inventory) + Current Liabilities 15. Debt-to-Equity Ratio = Total Debt Shareholders' Equity 16. Earnings Per Share (EPS) = Net P...