a-level business🌸
what are the types of insurance?
1. car insurance
2. pet insurance
3. health insurance
4. home insurance
5. travel insurance
6. pjone insurance
7. life insurance
what is trade payable?
the money you are owning to people
The formula:
trade payable/credit salesx100
what are tangible assets?
items that you can touch
For example:
1. buildings
2. machinery
3. land
4. raw materials
what are the different ways to pay?
1. credit cards
2. debit cards
3. direct direct
4. mobile banking
5. cash
6. cheques
what are the four functions of money?
1. unit of account
2. legal tender
3. means of exchange
4. store of value
what are intangible assest?
items that you cannot touch
For example:
1. brand names
2. trademarks
3. customer loyalty
how to calculate gross profit?
sales revenue- cost of goods sold
what are the different types of investments?
1. ISA- individual savings account
2. saving accounts
what is an disadvantage of using a pawnbroker to obtain personal finance?
1. the value of the item may be higher to how much they will give you
2. they can keep your asset if not paid on time
what is consumer credit legislation?
1. they regulate credit cards purchases
2. gives you protection when getting a loan or hire agreement
3. gives you cooling period
what is a standing order?
a regular payment that you can set up to pay other people or bank accounts.
what is a charge card?
a card that allows customers to delay payments for a short period of time.
what is a store card?
a card issued by a retailer to allows customers to delay payments.
what is bacs and fps?
a system that allows payment transfers from one bank account to another in 3 days
what is chaps?
a system that allows payment from one bank account to another on the same day.
what is an overdraft?
an amount borrowed from the bank and is paid with interest
what is a mortgage?
a long term loan to fund the purchase of an asset
what is a premium bond?
an investment product issued by NS&I. You dont earn interest.
what are bonds and gilts?
where you lend money for interest payments
what is the formula for capital employed?
capital + retained profit
what is the formula for net assets?
non current assets+ current assets- (current liabilities+ non current liabilities)
what is the formula for gross profit margin?
gross profit/ revenue X100
what is the formula for gross profit?
revenue- cost of sales
what is the formula for net profit margin?
net profit/ revenue X100
what is the formula for mark up?
gross profit/ cost of goods sold X100
what is the formula for return on capital employed?
profit/ capital employed X 100
what is the formula for current ratio?
current assets/ current liabilities
what is the formula for liquid capital ratio?
current assets- inventory/ current liabilities
what is the formula for trade receivables
trade receivables/ credit sales X 365
what is the formula for trade payables?
trade payables/ credit purchases X365
what is the formula for inventory turnover?
average inventory/ cost of goods sold X 365
what is the formula for average inventory?
opening inventory +closing inventory / 2
what is FOS?
1. Financial Ombudsman Service
2. an organisation you can call if there are any problems with your bank
3. is free to use
4. independent
5. backed by the government
what is FCA?
1. Financial Conduct Authority
2. they make sure any financial market works well so consumers can get a free deal
what are advantages of using direct direct?
1. a mandate can be set up to remove money on a certain date- dont need to remember if need to pay.
what is the formula for profit margin ratio?
profit/ revenue X100
what is the formula for mark up ratio?
gross profit/ cost of goods sold
1. cost of sales
what is the formula for cost of sales?
revenue- gross profit
what is a pre-paid card?
a card that you can use to pay for things without a bank account
a disadvantage:
1. it is not backed by the government- so no security if the card gets stolen or used
what are credit unions?
a financial organisation that helps provide savings,loans and a range of services to its consumers.
what are the two expenditure?
1. capital expenditure- money used from stakeholders to fix what is needed to be fixed within the business.
For example: machinery, land
2. revenue expenditure- money coming out on a day-to-day basis.
For example: wages, rent, water and more
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