What is cloud computing? What are the benefits? Video Overview (1)

For those of us interested in the intersection between business and technology, it’s hard to go a day without hearing about cloud computing.  What is the reality behind the buzz, and what, exactly, is cloud computing?

Capital Markets in English

The capital markets are the places to which companies turn for the money they need to operate businesses.

The kinds of capital that a business needs depends upon many factors, and the choice of the kinds of investors who are best suited to provide that capital likewise depends upon many factors.

For example, what kind of capital is suitable for the companies in this video?:

The company that needs seasonal financing might need a "revolver."

The fast-growing online bookseller might need equity capital or term debt or subordinated debt.

And the slowly liquidating traditional bookseller might need a business combination transaction just to survive.

You'll learn about these and many other financing solutions in our capital markets materials.

Corporate Finance in English

Learning corporate finance - in English - need not be intimidating. In fact, with our materials, we make it fun and easy-to-understand.

Here's an example. Consider this question: Does it make sense to use financial leverage?

Well, sometimes it does, and sometimes it doesn't...

Does using financial leverage make sense? Consider Jim.

Jim has been offered a new job that will pay him much more money than his current job pays. But to commute to his new job and arrive on time every day, he must buy and drive a car instead of riding his bicycle.

Jim is thinking of buying a reasonably priced car. But to do this, he must borrow money because his available savings (equity capital) are less than the price of the car. Should Jim use financial leverage, i.e., borrow debt capital, to buy this asset, i.e., to buy the car?

Yes. With a car, he can accept the new job and earn enough to repay the loan (with interest) and still save a lot every month from his higher earnings.

What if the new job did not pay a lot more money, and what if Jim were thinking of borrowing enough money to buy a very expensive car? On these facts, using financial leverage probably would not make sense.

The use of financial leverage, and the strategies for doing so, are beyond the scope of this course. For more on these topics, see our materials on Corporate Finance.

Legal English: What is "Consideration?" Part 1

You are negotiating an international contract. Do you know how to tell when your foreign partner will think that your promises are legally enforceable?

Better Faster Learning

Our interactive video lessons help you develop essential skills in English, better and faster:

Financial Accounting in English: What is an "Account Receivable?"

When you sell products or services , you usually don't get cash right away. You sell on credit and, in financial accounting terminology, you book an "account receivable." Is an account receivable an asset, or a liability? Is it a contractual right, or a contractual obligation?

Business in English: What is "Operating Leverage?"

Does your business have a high degree - or a low degree - of "operating leverage?" How does the degree of operating leverage affect the potential profitability - and risk - of the business?

Legal English: How Are Trademarks Violated?

There are two ways to violate a trademark. Do you know what they are?