Archives : Linda Keith CPA

2011.12.22: Why Guaranteed Payments are not Guaranteed
2011.12.08: ALLL and TDRs: How to decide if a loan is a TDR
2011.11.22: Why capital gains count even when they don't!
2011.11.08: When capital gains is from an installment sale
2011.10.25: Capital Gains: Using the portfolio as potential cashflow
2011.10.11: Stock Capital Gains: What to count when it is long-term
2011.09.27: RE Capital Gains: What to count when it is long-term
2011.09.13: Capital Gains: What to count when it is short-term
2011.08.30: Lending on Asset Conversion instead of Income
2011.08.21: Beware Assumptions: 5,400 feet makes a difference!
2011.07.21: S-Corps vs LLCs: A Lender's Perspective on the Differences
2011.07.05: Two ways to grow the Allowance for Loan and Lease Losses (ALLL)
2011.06.21: The ALLL Time Warp: Why getting it done well is getting harder
2011.04.18: Interest from a K-1 on Schedule B: Count it or not?
2011.04.13: Two Clues and 5 Surprises in a Business Loan Proposal
2011.04.06: Fourth Grade Smarts: How about Junior Achievement for business owners?
2011.03.30: LinkedIn Debate on considering 'Character' in lending
2011.03.23: Global Analysis: Consolidate Balance Sheets?
2011.03.16: How to Lie (or at least mislead) with Statistics: Buyer, Banker and Business Owner Beware
2011.03.09: Solid Job Growth: Which sectors and will it hold?
2011.03.03: Free Webinar on Dodd-Frank Act impact on community banks
2011.02.17: The 20 Most Profitable Small Businesses
2011.02.09: Who's In the Clear - Which industries have actually seen the light of recovery?
2011.02.08: CU Directors have to understand Financials: New Rules
2011.02.08: 3 alternatives for small biz lenders when 2010/11 is looking up
2011.02.05: Nothing to do with business or lending: Flat Stanley gets around
2011.02.04: What to do when you have to say 'no'...alternatives to bank financing for business
2011.02.03: How are you doing on a 1-10 scale? Lenders tell me...
2011.01.13: Got questions? 2 quick resources for answers on cashflow analysis of tax returns
2011.01.06: The Top Ten Risks to Business Today
2010.12.23: Who is switching banks? (Or planning to...)
2010.12.16: Are 'Guaranteed Payments' really guaranteed?
2010.12.09: K-1 Question from Lenders: Can I use Self-employed income?
2010.12.02: From cash-starved to cash-rich: How companies are scrutinizing their Income Statements to turn things around
2010.11.18: From cash-starved to cash-rich...how companies are using their balance sheets to turn it around
2010.11.04: Are you missing a depreciation add-back?
2010.10.29: Response to increasing delinquencies/charge-offs: Loosen credit policies?????
2010.10.14: KISS: Green Legos, Six Ns and a Map to Tax Return Analysis Slide Show
2010.10.07: Just for fun...Extreme Sheep
2010.09.30: Worker Classification III: Stay out of 'hot water' with safe harbor rules
2010.09.29: 7 Ways a Business can Play Offense in the Recovery
2010.09.28: Worker Classification II: IRS Rules
2010.09.21: Worker Classification I: What difference does the employee/contracted services choice make?
2010.09.17: Borrower Beware...Help your business borrowers avoid 'Factoring' Blunders
2010.09.16: Five high-level bankers speak up on availability of small business credit
2010.09.10: Small-business loans: When regulators go overboard, credit is choked off | OregonLive.com
2010.09.09: Financial Statement Analysis: How to "Read" a Ratio
2010.09.04: Overworked lenders...ready for a cruise?
2010.09.02: An opportunity to go the extra mile for your business borrowers...
2010.08.28: Can Your Bank Do This? Learning from the past...
2010.08.24: What business lenders can learn from ag lenders: Replacement of Assets
2010.08.19: Rampant non-reporting of income: What's a lender to do?
2010.08.12: Looking for add-backs in all the 'right' places!
2010.08.05: Small Business Owners: Delusional or Optimistic?
2010.07.26: Five (more) reasons a business might not be credit-worthy
2010.07.20: Can you or can't you use Capital Gains as recurring cashflow to qualify your borrower for a loan?
2010.07.13: CNN Calling! Reporter wants to know...
2010.06.29: What does it all mean? Glossary of Bank Risk and Failure terms...
2010.06.25: How your business borrower can manage cash flow better...
2010.06.17: NEW Complimentary eCourse on Balance Sheet Basics!
2010.06.10: 5 Sources of Cash Flow to Pay Debt: What's your preference?
2010.06.03: The most important question you must answer about your borrower
2010.05.27: Are you smarter than a 1st grader? Wants and Needs
2010.05.20: Maintaining "Business as Usual" in a Disaster: Are your business borrowers ready?
2010.05.14: Is that IRA a rollover or is it cash flow?
2010.05.06: Rundown: Forbes.com 20 Most Profitable Small Businesses
2010.05.03: Crazy 8: Clues to Credit-worthiness from the Business Balance Sheet
2010.04.29: IRS Red Flags: Five ways a business increases chance of audit
2010.04.22: Schedule C Review: From our updated manuals just out!
2010.04.14: GDP numbers not so rosy for small business
2010.04.07: Six Ways to Lose your Business Borrower
2010.03.31: Spotting Fraud: Now You See It, Now You Don't
2010.03.24: Entrepreneur training and SBA loans for veterans...
2010.03.22: The Dirty Dozen: 12 Indications of Fraud
2010.03.17: Lending to Non-Profits? Forms and Cashflow
2010.03.10: Temperature or Tides? Wants or Needs?
2010.03.03: Looking for strong business borrowers? Try pegging.
2010.02.23: Lucky 13: Additions to cashflow you may be missing
2010.02.16: LLCs Primer: Forms, Risk Exposure and Cashflow
2010.02.09: 8 Strategies for Business Growth...Info for lenders and borrowers
2010.02.02: The Thud Factor - What will it take to keep the regulators 'happy'
2010.01.29: Tax Update for 2009: The long and short of it...
2010.01.26: Need facts to make the case for small business lending? Why, Who and When
2010.01.20: Business lenders build business knowledge to assess, impress and help borrowers
2010.01.19: How do you create satisfied small business customers? How does that impact bank profits?
2010.01.15: What can I include in cashflow from Schedule B: Interest and Dividends?
2010.01.12: Consumer, Mortgage and Business Lenders: Here is your Intro to Tax Return Analysis
2010.01.08: 5 Steps to help 'Main Street' businesses get back to work
2010.01.06: 5 lists your borrower should bring you for new years...
2010.01.05: Five questions to ask in 2010 to make the loan!
2010.01.05: My CUES Webinar January 21st: The Keys to the Map
2010.01.04: How will the 'Move Your Money' Campaign impact your bank or credit union?
2009.12.29: How costs behave: Are you (and your borrowers) smarter than a 1st grader?
2009.12.28: Lending to Wealthy Individuals...looking for loans in all the right places?
2009.12.23: Just for fun...a knock, knock joke!
2009.12.21: Banks and small businesses: For want of a loan | The Economist
2009.12.17: What the Regulators are saying re: CU Business Lending
2009.12.14: Your borrower sold a business on a note: Should you count on the payments?
2009.12.10: Webinar on "More Trouble Brewing: Are your Guidelines Getting in the Way of saying 'Yes' to Self-Employed Borrowers? "
2009.12.01: Peanut Butter or Jelly? Market Share that Sticks
2009.11.24: 4% of businesses list financing as their #1 concern
2009.11.17: An SBA Senior Credit Administrator's Top Five Indicators of Trouble
2009.11.13: Alphabet Soup: 5 Terms Borrowers Won't Recognize
2009.11.09: Letter from my failed bank...It's hard to say goodbye!
2009.10.30: 10 'Must-have' Controls: Embezzlement Risk on the Rise
2009.10.27: Business in a Sinking Ship? Time to Get to Work
2009.10.26: Impact of SBA Changes on Lending Volume
2009.10.23: If you can't make the loan...Understand lease options
2009.10.22: What to tell CLOs about needed guideline changes...
2009.10.18: Training in your city? Eugene & Santa Rosa scheduled
2009.10.18: Quit wishful thinking...'09 returns will be filed early!
2009.10.15: Lending in the Recovery: Three suggestions to help you say 'yes'
2009.10.13: Plan to Capsize! 7 Steps to Survival and Success
2009.10.06: Say 'No' if managment is not up to it...
2009.10.01: Say 'No' if you can't trust them...
2009.10.01: "Happy Talk" about today's economy...need a lift?
2009.09.26: No-risk, low-cost way to bring my training to you....
2009.09.24: Business Credit Solutions: Weekly Round-up for your business borrowers
2009.09.18: What business strategies should your borrowers pursue in the recovery?
2009.09.13: How many millions are in a trillion?
2009.09.08: What Lenders Are Looking for in Business Loan Requests: Linda's AllBusiness.com podcast
2009.09.03: What the CFOS are saying: 9 ways to 'Know Thy Lender'
2009.09.01: Using Patents as Loan Collateral | Main Street Financing Challenges
2009.08.26: US Credit Conditions - Check out your state...
2009.08.26: Digging for dollars? 10 legitimate additions to recurring cashflow!
2009.08.25: Business in shock? Consider impaired judgement...
2009.08.20: Question authority: Not just for hippies anymore!
2009.08.17: A new clue to expected losses? Corporate extensions for time to PAY taxes
2009.08.13: $500 and 34 lbs: The answer to every objection...
2009.08.07: Leaders versus Losers: Choices for Lenders...
2009.08.07: The impact of sunk costs and relevant costs...how to make business decisions
2009.08.04: Test your assumptions: What works in shallow water may not work in deep water
2009.08.03: Check your Checklists: update and clearly communicate
2009.07.27: Must lenders get better at lending to borrowers with less-than-perfect credit?
2009.07.23: Loan Quality an Issue? Follow these 7 steps...
2009.07.20: Capsizing is good? Yes, but learn from it and then come on up!
2009.07.16: Peer-to-peer lending sites like Prosper and Lending Club: Are they the competition?
2009.07.14: Appearances matter...don't they?
2009.07.13: Is Your Business Borrower Headed for a Flameout?
2009.07.12: Calm Seas and Rough Waters: The Ten Essentials of Business (and Banking)
2009.07.10: Treasury brings a bit of sanity back to meetings decisions for TARP recipients
2009.07.07: Zions Bankcorp economist weighs in on the recovery
2009.07.01: A business borrower's rant...why aren't banks lending?
2009.06.30: An economic picture is worth a thousand words
2009.06.30: The New "Normal" in Bank Financing | Main Street Financing Challenges
2009.06.19: Large Banks and Small Banks in an Era of Systemic Risk Regulation
2009.06.17: 3 Tips to be a Good 'Follower' in the Loan Department
2009.06.16: Tax Return Analysis for Lenders: On Slideshare!
2009.06.05: Loan Covenants Tighten Up...how about yours?
2009.06.03: Comptroller of the Currency Issues Examiner Guidance on CRE
2009.05.29: 15 Tips to Find Cash in the Balance Sheet: A guide for your business borrowers
2009.05.29: When it is harder to find a good loan to make....
2009.05.26: How do Short Sales Work and Why Banks Might Reject Them
2009.05.21: Similar Numbers...Different Stories: Impact on Business lending
2009.05.18: Credit tightening ...loosening? Demand down?
2009.05.08: Help your borrower understand operating cycle as an alternative to borrowing
2009.05.05: Bankers avoid brand-destroying moves when restructuring a loan
2009.05.01: How to Cope with Too Much Growth - CFO.com
2009.04.29: Too Big to Fail, Too Small to Save...the latest
2009.04.29: Changing Banks is like Driving in Wales: How to make it easier
2009.04.23: Lender's Reasonableness Test: 389 Miles to East
2009.04.22: Private equity dries up - Portland Business Journal
2009.04.15: What frugal business borrowers and ex-communist countries have in common
2009.04.08: Dumb Questions make for Smart Bankers
2009.04.03: Why aren't (some) banks lending?
2009.04.03: 9 Questions from Recession-Racked Business Owners and How the Banker Might Answer Them
2009.04.03: Marshall Goldsmith's 6 question approach applied to banking
2009.03.31: Watermark Financial says of Lenders Online Training: 'The courses are simply fantastic!'
2009.03.25: How lenders surprise & delight borrowers...and why
2009.03.23: Learning budget at your bank: Up or Down?
2009.03.22: Has your bank reduced (or stopped) new business lending?
2009.03.18: Is Greed the Problem? Milton Friedman's opinion
2009.03.16: Working through Change at Work...the 'T' in SKATE
2009.03.15: Dealing with Change: Accept before you can Act
2009.03.11: 8 Lender Lessons Learned (?) from the Credit Crisis
2009.03.04: 2 NEW C's of Credit! Apply these in your business borrower relationships
2009.02.23: Two (more) steps to dealing effectively with change at work: Analyze and Accept
2009.02.20: 25% of Senior Lenders report decrease in C&I Credit Lines for existing borrowers
2009.02.17: Change is inevitable. Keep your perspective with humor.
2009.02.16: Quick Test on the 6 Ns from Taxable Income to Recurring Cashflow
2009.02.12: Got Stress Part II: Maybe screaming at work is a bad idea
2009.02.09: Got Stress? Try a Whine and Cheese Party
2009.01.28: When Hell Freezes Over: Coping with Change in the Banking Industry
2009.01.28: Funny Definitions: Cashtration and Intaxication
2009.01.23: The public complains that banks are not lending...what is your soundbite?
2009.01.16: The Banker 6-step: Create your own 'depression-era' memory
2009.01.13: What tax return do I need for foreign-source income?
2009.01.07: Three Business Loan Red Flags...or have they changed color?
2009.01.04: Dave Barry advises you spend any money you have left...soon.
2009.01.02: Bank Trainer comes in from the cold!
2008.12.29: Banker Triage for Business Borrowers: Can this Business Be Saved?
2008.12.24: Recovery will start {WHEN} and take {HOW LONG}!
2008.12.22: 5 Steps to Help your Business Borrowers Build and Protect Business Credit
2008.12.16: Good news for banks and credit unions...but can you tell anyone?
2008.12.12: With Business Margins Under Pressure...suggestion for your business borrowers
2008.12.10: 10 Risks To Keep Business Owners (and their bankers) Up At Night
2008.12.08: Reach out and touch someone....
2008.12.04: Loan opportunities for community banks...feel free to tell your customers
2008.12.01: Some bank acquisitions make for strange bedfellows...
2008.11.25: Step 6: Consider leaving out income you don't need
2008.11.18: Step 5: Leave out Nonrecurring Income/Expenses
2008.11.14: 3 More Steps from Taxable Income to Cashflow: NEW
2008.11.12: Save the Economy? Save yourself first!
2008.11.11: More online training for bankers to make GOOD Loans and make MORE loans
2008.11.05: 6 Steps from Taxable Income to Cashflow: Noncash
2008.10.16: Understanding the Economic Forces: Another lesson from kayaking
2008.10.09: Nondeductible Expense: #2 in the list of 6
2008.10.02: 6 Steps from Taxable Income to Cashflow: Nontaxed Income
2008.09.19: Cashflow Analysis: Quit Looking for the List
2008.09.15: The banking industry won't do the correcting ... the market will.
2008.08.27: 7 Time-tested (but surprising) businesses that rake it in
2008.08.20: What's Insured and What's Not: Clear up the confusion and keep your customers
2008.08.19: Can't Pay the Mortgage...now what? What business lenders should know...
2008.08.15: Sales-Clinching Questions include the word "YOU"
2008.08.12: technorati
2008.08.11: 'Comfort food' businesses
2008.08.08: Nontaxed income to add back...a sad tale!!!
2008.08.06: Great time to buy a kayak!
2008.08.01: Scary Good Offers
2008.07.31: 5 Things to Do and Brag (tastefully) about
2008.07.28: Cashflow vs Asset-Based Lending
2008.07.23: Surviving and Thriving in the Credit Crunch...conference in Seattle
2008.07.21: Form 4506...Red flag if they won't sign?
2008.07.20: Unintended Consequences...are your guidelines getting in your way?
2008.06.30: 4 questions to help you identify risky customers...sooner than later!
2008.06.23: Another FREE (for now) online course for bankers...when is debt too much?
2008.06.23: How does your bank rank in small business lending?
2008.06.06: Free Online Banker Training: The last week?
2008.06.06: Business Lenders: What difference does an S make?
2008.06.06: Credit Risk plus four...defined
2008.06.03: KYC to CYA....4 Steps to avoid 90% of frauds
2008.05.30: Banking Regulators watching documentation more closely...
2008.05.27: Miles Gage is a Money Smart Kid
2008.05.12: An hour in a 1st/2nd grade classroom...amazing!
2008.05.11: Pigs and Kids...Start your Engines!
2008.05.08: Is the time right for Lender's Online Library? Stress testing Linda Keith CPA, Inc.
2008.05.05: Fear and Greed...the bookends of Capitalism?
2008.05.01: Guidelines vs Common Sense ...Which do you use?
2008.04.28: Sub-prime meltdown...good news (and bad) for banks and credit unions.
2008.04.21: Recession? The 3 'B's of handling problem loans...Part 3
2008.04.17: Recession? The 3 'B's of handling problem loans...Part 2
2008.04.14: Recession? The 3 'B's of handling problem loans...Part I
2008.04.11: More Free Cash Flow Training for Bankers...1065 Basics
2008.04.08: 5 Tips to help businesses weather the storm during a recession
2008.04.04: SOX costs pile up...is it worth it?
2008.04.01: It's not just YOUR bank...Senior Loan Officer Opinion Survey
2008.03.28: From Taxable Income to Recurring Cashflow: Lenders start here
2008.03.24: What's in YOUR guidelines?
2008.03.12: Have you WHAT?
2008.03.11: 7 Breakthrough Strategies of Top Performing Banks
2008.03.10: #4 What you DON'T want the kids learning at school...and what you do!
2008.03.06: #3: Media. How to 'channel' the impact this has on our kids and money
2008.03.03: #2 Friends and Peers...what impact can we have?
2008.02.28: #1: Family...4 strategies to be sure they learn what you want them to learn
2008.02.24: Raising money wi$e kids...4 ways they get their info and what we can do about it
2008.02.21: 15 Questions to Assess Fraud Risk
2008.02.19: Back to basics: Cash flow, good underwriting and spotting problems early
2008.02.15: Bankruptcy, Deadbeats and Peons: A blast from the past
2008.02.13: Workforce Worries: According to CFOs
2008.02.11: Fear Factors: Questioning the viability of businesses and of lenders
2008.02.05: What millionaire women say about Lenders
2008.02.04: Recommended Reading for Loan Officers...you might be surprised
2008.01.17: Small Business Planner...good for Medium-size business owners too!
2007.12.21: What fraud risk do they face and what can they do about it?
2007.12.12: Self-employment income...can you add it, too?
2007.11.26: Shut up and Listen…Part III.
2007.11.26: Shut up and Listen…Part II
2007.11.26: To land Middle-Market Customers…Shut up and listen!
2007.10.21: Connect to your business borrowers through laughter.
2007.10.16: Business Valuation: Lending to the buyer of a business
2007.10.04: STOP: Spot Fraud Warning Signs
2007.09.30: Commercial lenders: Would your current clients help you get new clients?
2007.09.27: 3 ways to lose your business borrowers...and 3 ways to keep them
2007.09.25: The Worlds Biggest Blog Party
2007.09.24: New Blog for Women in the Mortgage Lending Business
2007.09.21: Lender responsibility or borrower choice? Three more points of view…
2007.09.17: How to survive a downturn? Show me the money…
2007.09.14: Are lenders to blame or the scape-goats for the Sub-prime meltdown?
2007.09.10: Fraud? Or legitimate differences? Tax Returns vs Financial Statements
2007.09.02: Lender’s Red Flag: Getting ‘fired’ by the CPA firm
2007.08.26: Stated Income: Out of the Fat into the Fire
2007.08.19: Wells Fargo’s Happy-to-Grumpy ratio…the ‘new’ analysis tool?
2007.08.12: So how much income do I need to qualify?
2007.08.05: Lies, lies, and more lies. What to do if they are lying on their tax return.
2007.07.31: Truth or Lies…when the tax return really does not tell the story.
2007.07.24: Tax Gap from small business? Nah!!!!!
2007.07.03: Don't add back depreciation???
2007.06.29: S Corporations: K-1s are(n’t) all alike!
2007.06.26: How Real Estate Developers (should) choose their lender
2007.06.21: The ’shooting-the-breeze’ method of learning business banking
2007.06.18: FAQs for your business borrowers…
2007.06.11: Tough loan climate makes good decisions more critical…
2007.05.29: Lender’s responsibility in the subprime meltdown
2007.01.26: Create value by understanding business
2006.10.08: Business owners often take the ‘profit’ home…all of it
2006.10.06: Relationships, not rates…

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Linda Keith, CPA