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Nirmal Raj

As seen in: Medium, Biomed Central (BMC), The Hindu, Physical Review B, HubPages, ThePrint, Finextra, Massive Science, Data Driven Investor
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Articles

What is Budget Variance and Why is it Essential for Businesses

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By Nirmal Raj
| Finextra Verified
A financial plan is a must for a business. It is the roadmap for the business for staying competitive and making key budget allocations. In most cases, especially for a startup, budget allocation never goes as planned. If the allocated marketing expenses are $50,000, the business may end up spending $70,000. Even the most thoroughly researched budgeting models won’t align perfectly with the nature of day-to-day operations.
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Financial Forecasting vs. Financial Projections: A Practical Guide for Business Owners

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By Nirmal Raj
| Finextra Verified
For business owners, the two terms financial forecast and financial projection often sound interchangeable. After all, both involve predicting a business's future. So how different could they really be? As it turns out, quite a lot. Mixing them up can lead to inaccurate planning, misaligned budgets, confusing investor conversations, and even flawed fundraising strategies. A financial forecast tells you what is likely to happen based on real data and current trends.
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Net Income: Formula and How to Calculate It

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By Nirmal Raj
| Data Driven Investor
empowerment through data, knowledge, and expertise. Join DDI community at https://join.datadriveninvestor.com A business bank balance shows available cash, but it does not reveal true profitability. Many companies report strong revenue figures and steady cash flow, yet still operate at a loss. A clear example is Amazon. For years, the company reported impressive revenue growth but posted little or no net income.
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