Capistrat

When you’re pulled over by law enforcement or find a slip of paper tucked under your windshield wiper, you might hear or see the words “citation” or “ticket.” Citation vs Ticket: What’s the Difference and Why It Matters ? Many people assume these terms mean the same thing, but depending on the jurisdiction and the…

There’s a massive need for custom home builders right now because of the housing shortage. People want customized homes—whether it’s on their own land or in an expensive neighborhood where they’ve bought a lot. They want their home tailored to their specific needs, and they’re willing to spend a lot of money to make it…

When it comes to managing your money, choosing where to bank is one of the most important financial decisions you’ll make. Whether you’re opening a savings account, applying for a loan, or simply looking for a reliable place to stash your paycheck, you’re faced with a critical question: Should you go with a credit union…

IUL vs. 401(k): Is an IUL (Indexed Universal Life) better than a 401(k)? The answer is yes—but only if it’s structured properly. We are going to explain how to set it up so it can outperform a 401(k) by as much as double or even quadruple your net spendable retirement income. To achieve these goals,…

The last few guides have covered the doctrine of consideration, but this guide looks at the first of what are termed consideration substitutes. So, in the absence of consideration, if we have a gratuitous promise, is there any way to enforce that promise? The answer is yes, and promissory estoppel is one of the doctrines…

Inventory management is a critical aspect of running a successful business. Holding too much inventory can lead to high storage costs, while having too little can result in missed sales opportunities. One of the most important financial metrics used to measure inventory efficiency is Days Inventory Outstanding (DIO). DIO helps businesses determine how long, on…

In this presentation, we will discuss three key financial concepts: How to calculate contribution margin, contribution margin per unit, and contribution margin ratio. These concepts are closely related but can sometimes be confusing. Therefore, we will break them down step by step to clarify their differences and their significance. Contribution Margin Per Unit Before calculate…

Managing business finances efficiently is crucial, and one way to reduce banking costs is by leveraging the Earning Credit Rate (ECR). This often-overlooked banking feature allows businesses to offset service fees by maintaining higher balances in their accounts. Instead of earning traditional interest, companies receive an earnings credit that reduces or eliminates monthly fees. But…

You might think your valuables are safest in a bank vault, but does it really beat getting your own home safe? And most importantly, how much is a safety deposit box, and is it worth the cost? Let’s get into the details. We’ve seen it a million times on film and TV: if someone wants…

The credit curve is an essential concept in finance, particularly in bond markets and corporate debt analysis. It represents the relationship between the interest rates (yields) on a company’s or government’s debt and the time until that debt matures. What Is the Credit Curve? Also known as the corporate yield curve, it is a graphical…

I’ve opened more than 15 bank accounts across various countries over the past dozen years, and almost all of them have been more robust or advantageous than those in my home country. However, the process of opening an offshore bank account is quite different from what you might be used to. The Process of Opening…

The Power of Enterprise Culture in Building a Lasting Business Today, I’m going to talk you about something very important—especially if you’re an entrepreneur, a general manager, or even a student. Pay close attention because the world is changing fast : The Enterprise Culture or Work Culture. We are in an era of rapid transformation—digital…

Growth Hacking : Définition et Fondamentaux Le Growth Hacking est une approche marketing axée sur la croissance rapide et à moindre coût. Contrairement au marketing traditionnel, qui repose sur des budgets publicitaires conséquents et des campagnes à long terme, le Growth Hacking cherche à maximiser l’acquisition, la rétention et la conversion des utilisateurs avec des…

Using the generic advice found all over YouTube and websites to build business processes will take you hours to implement. But if you follow the tactics in this guide, you can create process for any part of your business in just 35 minutes or less. I know this because, unlike the so-called business gurus discussing…