Photoshop resources: Floralization

Floral Brushes:

I want to share some great PS floral brushes that you can download for free, and that can be used very effectively to enhance your design.
http://www.brusheezy.com/brush/download/341-Floral-Swirl


- floral swirls 2

Floral Frame brushes:
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Click here to download floral frames

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Click here to download floral frames 2

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Click here to download floral frames 3

Look forward to a tutorial on how to use floral frames to create stunning designs.

Credit for PS brushes: coolwing.deviantart

FinAnalysis: EBIT

EBIT - earnings before interest and tax

Meaning: amount of money left in a firm after paying operating and admin expenses, but before paying interest and income tax. Basically this is how much money firm is left with to pay their debt.

- EBIT = Operating Revenue – Operating Expenses + Non-operating Income

Definitions:

1. (EBIT) is a measure of a firm's profitability that excludes interest and income tax expenses - Bodie, Z., Kane, A. and Marcus, A. J. Essentials of Investments, McGraw Hill Irwin, 2004, p. 452.

2. operating and nonoperating profit before the deduction of interest and income taxes. - thefreedictionary.com

3. An indicator of a company's profitability, calculated as revenue minus expenses, excluding tax and interest. EBIT is also referred to as "operating earnings", "operating profit" and "operating income" - investopedia.com

EBIT/Interest

Implication:
- measure of long-term solvency, times interest earned ratio.
- How well a company have its interest covered.
eg. if company X's EBIT is $20,000 and interest expense is $10,000 the ratio is 2. Meaning they are capable of paying interest for their debt.
- with a volatile company like movie industry, ratio of 2 may not be adequate.


"Long-term Solvency" - firms long-run ability to meet obligations, or financial leverage.

FinAnalysis: Preface for Ratios

Preface of the financial ratio posts.

As financial ratios are very important in my career path, I do lot of research on each individual ratios. Source these ratios using text books to online websites.
For each ratios I try to encapsulate as much analytical decisions or trends we can use from those ratios to interpret the ratios in balance sheet and income statement.

This research will help me refer back to my finding in later times and hope this will help you with analyzing your financial reports.

Summary of the Ratios Covered so far.
1. Gross Margin
2. EBIT (Earnings before interest and tax)
3. FinAnalysis: ROA and ROE

PS Tutor: Interesting collage wallpaper

For the full tutorial:
Source: Photoshop-Garden

Financial Analysis: Gross Margin

Gross Profit Margin = Gross Profit (Revenue - COGS)/ Sales

Profit margin is the ratio used in financial analysis to measure the gross profit per sales. Gross profit as in COGS deducted from the Sales revenue.

Higher the Gross Margin the more efficient the firm/company in turning its raw material into income. If its a retail firm, the higher number tell how fast they turn the inventory into income.

Check out for more financial ratios and their interpretation in financial statements.