Youtube Video Link - https://youtu.be/XUVhuqlg6G0
This tends to cover the basics of cash management in terms of its meaning, objectives, functions and tools explained in simple manner. ( cash management, motives for holding cash, objectives of cash management, cash budget, cash flow statement).
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Discuss the concept of risk in investment decisions.
Understand some commonly used techniques, i.e., payback, certainty equivalent and risk-adjusted discount rate, of risk analysis in capital budgeting.
Focus on the need and mechanics of sensitivity analysis and scenario analysis.
Highlight the utility and methodology simulation analysis.
Explain the decision tree approach in sequential investment decisions.
Focus on the relationship between utility theory and capital budgeting decisions.
Youtube Video Link - https://youtu.be/XUVhuqlg6G0
This tends to cover the basics of cash management in terms of its meaning, objectives, functions and tools explained in simple manner. ( cash management, motives for holding cash, objectives of cash management, cash budget, cash flow statement).
Follow DevTech Finance on :-
Instagram - https://www.instagram.com/devtechfinance/
LinkedIn - https://www.linkedin.com/company/devtech-finance
Facebook - https://www.facebook.com/devtechfinance/
Slideshare - https://www.slideshare.net/NishaNandani
Thank You For Watching
Please Subscribe To DevTech Finance
Discuss the concept of risk in investment decisions.
Understand some commonly used techniques, i.e., payback, certainty equivalent and risk-adjusted discount rate, of risk analysis in capital budgeting.
Focus on the need and mechanics of sensitivity analysis and scenario analysis.
Highlight the utility and methodology simulation analysis.
Explain the decision tree approach in sequential investment decisions.
Focus on the relationship between utility theory and capital budgeting decisions.
Cash Management Training
http://www.ustreas.gov/
Laura Trimble, Associate Director, Budget and Financial Accountability, US Department of the Treasury
Michael Ablowich, Budget and Financial Accountability, US Department of the Treasury
Gail Ostler, Budget and Financial Accountability, US Department of the Treasury
Laura Ross, Budget and Financial Accountability, US Department of the Treasury
A comprehensive overview of cash management objectives, challenges, and techniques faced by all public financial managers will be the focus of all the sessions today.
Cash management is a marketing term used in corporate and private banks. Bank cash management system is a system in which cash is managed primarily for larger business customers. Cash management process is pre-requisite to execute payments, collect receivables and manage liquidity. It is more often used to describe specific services such as cash concentration, automated clearing house facilities and zero balance accounting.
Here is all about what you seek on Working Capital Management.類類
Wide Areas about : Introduction,Meaning,Definition,Components,Factors influencing,
Working Capital management: Cash management(, Inventory management, Receivables Management, Inventory management and about factoring.
Management of working capital
Cash management
SIGNIFICANCE Cash management
motives to hold cash.
a. Transactions motive
b. Precautionary motive
c. Speculative motive
d. Compensation motive
Minimising funds committed to cash balances
WORKING CAPITAL MANAGEMENT
CASH MANAGEMENT
MOTIVES OF HOLDING CASH
SIGNIFICANCE OF CASH MANAGEMENT
STRATEGIES FOR CASH MANAGEMENT
EOQ model to cash managemnt
This chapter provides the basics of Electronic Customer Relationship Management and gives a clear idea about the e-CRM. It also gives the knowledge of changing perspective of the e-CRM practices
This chapter covers the basic introduction to Customer Relationship Management. It provides a conceptual foundation to CRM practices and implementation of the CRM
know the Importance and Need of Bank Reconciliation Statement.
Understand the Causes for Disagreement between Cash Book and Pass Book Balances.
Prepare Bank Reconciliation Statement.
Understand the Meaning, Kinds and Advantages of Subsidiary Books.
Know the Purpose, Format, Posting and Balancing of Purchases, Sales, Purchases Return and Sales Return Books.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
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NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
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#money
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
3. In narrow sense: currency and generally
accepted equivalents of cash like cheques,
drafts etc.
In broad sense: includes near-cash assets, such
as marketable securities and time deposits in
banks.
They can be readily sold and converted into cash.
Can serve as a reserve pool of liquidity.
Also provide short term investment outlet for excess
cash.
4. Cash management is concerned with the
managing of:
cash flows into and out of the firm,
cash flows within the firm, and
cash balances held by the firm at a point of time by
financing deficit or investing surplus cash
7. Holding of cash to meet routine cash
requirements to finance the transactions which
a firm carries on in the ordinary course of
business.
Cash is held to pay for goods or services. It is
useful for conducting our everyday
transactions or purchases.
8. • The cash balances held in reserve for random
and unforeseen fluctuations in cash flows.
• A cushion to meet unexpected contingencies.
– Floods, strikes and failure of imp customers
– Unexpected slowdown in collection of accounts receivable
– Sharp increase in cost of raw materials
– Cancellation of some order of goods
• Defensive in nature
9. Is a motive for holding cash/near-cash to
quickly take advantage of opportunities
typically outside the normal course of business.
Positive and aggressive approach
Helps to take advantage of:
An opportunity to purchase raw materials at
reduced price
Make purchase at favorable prices
Delay purchase on anticipation of decline in prices
Buying securities when interest rate is expected to
decline
10. Is a motive for holding cash/near-cash to
compensate banks for providing certain
services or loans.
Clients are supposed to maintain a minimum
balance of cash at the bank which they cannot
use themselves.
11. • Meeting payments schedule
– It prevents insolvency
– relationship with bank is not constrained
– Helps in fostering good relationships
– Cash discount can be availed
– Strong credit rating
– Take advantage of business opportunities
– Can meet unanticipated cash expenditure with a minimum
of strain.
• Minimizing funds committed to cash balances
– High level of cash: large funds remain idle
– Low level of cash: failure to meet payment schedule
12. 1. Synchronization of cash needs
2. Short costs:
i. Transaction costs
ii. Borrowing costs
iii. Loss on cash discount
iv. Cost associated with deterioration of the credit
v. Penalty rates
3. Excess cash balance costs
4. Procurement and Management
5. Uncertainty and Management
14. 1. Decentralised Collections
Number of collection centres
Collection centres will collect cheques from
customers and deposit in their local bank
accounts
They will deposit the funds to a central bank
15. 1. Lock-box System
Collection centers are established considering the
customer locations and volume of remittances
At each centre the firm hires a post office box
Remittances are directly picked from the bank
whom the firm gives the authority
Advantages of lock-box system are:
Cheques are deposited immediately upon receipt
of remittances
Eliminates the period between the time cheques
are received by the firm and the time they are
deposited in the bank for collection
16. It means delay the payments as much as possible. Can
help the firm in conserving cash and reducing the
financial requirements.
Disbursement or Payment Float
17. How quickly and cheaply a organization can raise cash
when needed.
How accurately managers can predict cash
requirements.
Cash budget helps in this .
How much precautionary cash the managers need for
emergencies.
18. • Availability of (short-term) investment opportunities
– e.g. money market funds, CDs, commercial paper
• Expected return on investment opportunities.
– e.g. If expected returns are high, organizations
should be quick to invest excess cash
• Transaction cost of withdrawing cash and making an
investment
• Demand for Cash for daily transactions
19.
20. A number of mathematical model have been to
develop to determined the optimal cash
balance.
Two of such model are as follow;
a) William J. Baumol's inventory model
b) M. H. Miller and Daniel Orr’s Stochastic
model
21. Baumol’s model of cash management-
Trades off between opportunity cost or carrying
cost or holding cost & the transaction cost. As
such firm attempts to minimize the sum of the
holding cash & the cost of converting marketable
securities in to cash.
Helps in determining a firm's optimum cash
balance under certainty
23. Assumptions
Cash needs of the firm is known with certainty
Cash Disbursement over a period of time is
known with certainty
Opportunity cost of holding cash is known and
remains constant
Transaction cost of converting securities into
cash is known and remains constant
24. Algebraic representation of William J.
Baumol's Inventory model
C = 2A*F
C = Optimum Balance
A = Annual Cash Distribution
F = Fixed Cost Per Transaction
O = Opportunity Cost Of Holding
o
25. Uses
The Baumol’s model enables companies to find
out their desirable level of cash balance under
certainty. The Baumol’s model of cash
management theory relies on the tradeoff between
the liquidity provided by holding money (the
ability to carry out transactions) and the interest
foregone by holding one's assets in the form of
non-interest bearing money. The key variables of
the demand for money are then the nominal
interest rate, the level of real income which
corresponds to the amount of desired transactions
and to a fixed cost of transferring one's wealth
between liquid money and interest bearing assets
26. Evaluation of the model
Helpful in determining optimum level of Cash
holding
Facilitates the finance manager to minimize
Carrying cost and Maintain Cash
Indicates idle cash Balance Gainful
employment
Applicable only in a situation of certainty in
other words this model is deterministic model
27. Overview
The Miller and Orr model of cash management
is one of the various cash management models in
operation. It is an important cash management
model as well. It helps the present day
companies to manage their cash while taking
into consideration the fluctuations in daily cash
flow.
28. Description
As per the Miller and Orr
model of cash management the
companies let their cash
balance move within two limits
a) Upper Control limit
b) Lower Control Limit
29. Miller – Orr Cash Management Model
Upper Control Limit : Buy Security
Curve representing Cash
Balance
Purchase Market
Security
Sale of market
security
Return
Point
Lower Control Limit : Buy Security
Cash
h
Z
O
30. Explanation For the Diagram
Along with a return point when the cash
balance touches the upper Control limit (h), the
marketable security is purchased to the extend
till it reaches normal cash balance (Z)
In the same manner when the cash balance
touches lower limit (o), the firm Will Sell the
Marketable security to the extent till it reaches
normal cash Balance (Z)
31. Computation of Miller – Orr Model of Cash
Management
Spread (Z)= (3/4 * Transaction cost *Variance of Cash
Flow)
Return Point = Lower limit + Spread (Z)
Variance of Cash Flow = (Standard Deviation) or (
)
1/3
Interest
Rate
3
22
32. Benefits
Allows for net cash flow in a random fashion.
transfer can take place at any time and are
instantaneous with a fixed transfer cost.
Produce control limit can be used as basis for
balance management
33. Limitations
May prove difficult to calculate.
Monitoring needs to be calculated
for the organizations benefits
becomes a tedious Work.
34. Application
Finding out the approximate prices at
which the salable securities could be
sold or bought
Deciding the minimum possible levels
of desired cash balance
Checking the rate of interest
Calculating the SD (Standard Deviation)
of regular cash flows
35. Evaluation of the Model
This Stochastic model can be employed even in
extreme uncertainty
When the cash flow fluctuate violently in short
period it will give optimal result
Finance Manager can apply this model in
highly unpredictable situation