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.

PS tutor: Orange skin Porche

Read full tutorial here on how to design it from scratch using photoshop: http://alfoart.com/gold_car_1.html

MS Excel: formulas that make your work easier

# To return a latest value of a column. (the column can not have empty cells between 1st value and last value)

=INDEX(H8:H14,COUNT(H8:H14))


in this formula, the range H8 to H14 we will get the latest value or the bottom most value in the correspondent cell that hold this formula.

Explanation:
count formula here counts the number of cells that has values.
using index formula, we find the index value within the given range, in this case H8:H14, and we want the index value of the 5th cell that is from top to down (the last cell with the values), which is the value given from Count formula.

Gas price has its effect on indivituals: financial perspective

Fair enough gas prices are going up day by day even though we saw a slight decrease of the price in past week or so. But gas prices has shown an exponential growth overall, rather average price graph over past 8 years.

I have been keeping track of grocery expenses in a spread sheet. In the past few months I was able to identify this increase in gas price clearly showing off in my spread sheet. Over past three months, April, May, & June; the groceries price per day per item value showed a clear integrated increase in my analysis of the expenses.

Even though you went to the grocery store and didnt identify much of a increase in food prices or even good prices, overall it has gone up. As you may know gas price increase causing good/food item prices to go up as in forms of transportation of goods, storage, etc.

There is a heavy need for alternative fuel source that we can rely on just like gas with less pollution and cost efficient.

Read more about environmental effects of gasoline prices and depletion of resources at http://apenvirom.blogspot.com/

Economy: A bigger-than-expected drop in existing home sales and Ford's worst earnings report ever weighed on the market

Having passed a House vote, the housing bill -- revised with provisions for more explicit government guarantees of the mortgage agency portfolios -- is now headed for a Senate vote, which could come as early as Thursday.

Bill Gross, managing director of bond house Pimco, weighed in on the housing bill currently before Congress, calling the legislation that is designed to lower the cost of mortgage credit "the best way to begin the long journey back to normalcy" in the housing market.

New York Fed President Timothy Geithner, speaking before the House Financial Services Committee, warned that strong financial supervision will be needed to reduce the moral hazard of recent Fed and government backstops such as the Bear Stearns bailout and expanded capabilities of the Treasury and Fed to support the government-sponsored agencies.

Oil prices rebounded from their lows despite ongoing concerns about demand destruction as government data showed higher refined product supplies on Wednesday. August WTI crude oil futures settled $1.05 cents higher at $125.49 a barrel on Thursday.

Source: David Bogoslaw
Full Article: http://www.businessweek.com/investor/content/jul2008

Photoshop enpowerment: presentom

Newest experiment with Photoshop and Illustrator vector floral designs and its use effectively to generate eye catching graphic content. Such floral content could also be found as brush format, if you are interested in creating this type of a graphic with the minimum of effort.

This post contain copy right material, prohibited from reproducing or using without presentom's permission. This Graphic is exclusively a property of ashPresentom.