It's difficult to track internal financial systems and trends without understanding some key financial formulas. Here's an excellent way to begin: Financial Management, recently published by Barron's Business Library (800-645-3476; $14.95).

Chock-full of every financial formula business owners would ever need -- including those relating to cash-flow analyses -- this book isn't a quick read. But it is accessible to anyone who'll put some effort into figuring out the charts, examples, and other jargon-free descriptions contained in its 300-plus pages. With its well-organized index, the book also makes a handy desktop reference for business owners who want to prep for their accountants. -- Jill Andresky Fraser

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