Empowering Retail Owners Institute

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Short Clips from TOPICAL TUESDAYS Webinars

Will We Have Enough CASH Next Month?

December 11, 2019
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Are We OVERBOUGHT in Any Departments?

December 11, 2019
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Being Smart with MARKDOWNS

December 11, 2019
0    982

Which Department is BEST? Really?!

December 11, 2019
0    963

More SHREWD Advertising

December 11, 2019
0    981

New! For All Retailers     

Sounding Board Service info

Disruptive Changes? Growing Concerns? 

Want Another Perspective? 

Tap into this new service specifically for retail owners and decision-makers: The Retailer's SOUNDING BOARD Service

Private telephone or web conferences with The ROI Co-Founders

Totally confidential • You choose the topics • It's your sounding board! 

Click here. More info. Get your free session.


Online Retail STRATA:G® Resources

That's "strategy." Every retailer needs one!


Online Retail CalculatorsOnline Calculators for Retail ProjectionsSee in advance retail profits and cash flow - Integrated!

Explanatory How-To ArticlesExplanatory How-To Articles - Used and loved by retailers worldwide!

Webinars from the Co-FoundersWebinars from The Co-Founders - Lively and empowering!


eLearning Courses, Retail Finance

Online, Self-Paced eLearning Courses - Learn it once. Use it forever!



Retail Finance How-To Videos Short How-To Videos - See it in action!


Retail Performance Evaluation  ToolsSelf Evaluation Tools - Get Quick Insights




And much more!

Free – User's Guide

Get The ROI NEWS - User's Guide to The ROI

The ROI NEWS is your User's Guide to The ROI. Easiest and best way to take full advantage of The ROI. 

Delivered right to your inbox each week. Free! "Perhaps the world's most popular and useful newsletter for store owners and managers."

Each week, get FREE direct access to 
how-to info and online resources

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Specially for busy retailers, storefront or online. Be like thousands of store owners and managers. Empower yourself with savvy financial know-how! Use The ROI! 

Specially for busy retailers, storefront or online. Be like thousands of store owners and managers. Empower yourself with savvy financial know-how! Use The ROI! 

For Store Owners, Retail Presidents & CEOs, CFOs, Buyers, Managers, Bookkeepers, students of retailing. And, everyone who has the desire to grow their own retail financial expertise.

Compare your stores - 6 key retail benchmarks - 5 year trend charts



Department Stores

Variety Stores


















Mail-Order Houses

Online Shopping








The segments featured at The ROI reflect the definitions and designations of the North American Industrial Classification System (NAICS). The top of each Retail Segment Page on The ROI site includes the NAICS code and the NAICS definition for that industry segment.

The ROI has selected six key ratios (from the abundance of ratios available) that are particularly important for retailers to regularly monitor and manage. See The ROI's Benchmarks Resource Center to learn more about these key ratios for retailers.

The ROI's exclusive Retail Benchmark Trend Charts show the median value reported by Risk Management Association's Annual Statement Studies for each of these key ratios each year. There also is a Top Quartile – and Bottom Quartile – of results for every segment. See your bank or local library for those details.



Since 1999, empowering retailers and store owners to "Turn on your financial headlights!"