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Essay On Cash
A Payday Cash Advance Can Seem a Lifesaver, but Count the Cost First
(–– removed HTML ––) A Payday Cash Advance Can Seem a Lifesaver, but Count the Cost First
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Getting a payday cash advance loan often seems like a lifesaver when you need money fast, but it's
critical that you take some time to consider the costs and whether you can afford the lump–sum
payment. However, many of our lenders are willing to work with you. Some offer installment
loans that can be repaid over a longer period of time, and some are willing to extend your payment
deadline up to 45 days. Apply for a payday cash advance loan now to connect with multiple lenders
and research your loan options.
Many borrowers fail to consider the costs of...show more content...
For example, bouncing a check or debit authorization will result in bank overdraft fees and
additional charges for your loan. However, if you applied for a payday cash advance, many lenders
also offer installment loans that can be repaid over a longer period. Monthly installments could be
easier to budget––although you should be aware that you'll pay more in total interest charges over
the long–term repayment period.
Other costs of getting advance cash loans include annual percentage rates as high as 400 percent.
Administrative fees are high for a short–term loan because lenders earn interest only for a few weeks.
Our associates also approve more loan applicants than other lenders––including people with poor or
bad credit––so the default rates on these loans are higher than default rates from traditional sources.
You might consider an installment loan, which many of our associate lenders offer, if you can't
afford a lump–sum payment from a single paycheck. That can reduce your payments into smaller
biweekly or monthly payment. However, you'll need to budget for this added expense for a longer
time.
If you've studied your finances and determine that you can afford a loan, apply now to get offers
from multiple lenders.
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(–– removed HTML ––) Loans Terms Vary, but We Connect You with Multiple Lenders of Cash
Advances (–– removed HTML ––)
Our matching service connects you with multiple lenders of cash advances so that you can find
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Budget Analysis Essay
Budgeting Assignment
A company's budget serves as a guideline in planning and committing costs in order to meet tactical
and strategic goals. Tactical goals such as providing budgetary costs for daily operations, and
strategic objectives that include R&D, production, marketing, and distribution are all part of the
budgeting process. Serving as a guideline rather than being set in stone, the budget is a snapshot of
manager's "best thinking at the time it is prepared." (Marshall, 2003, p.496) The budget is a method
in which to reign–in discretionary spending, and will likely show variances between what costs have
been anticipated and what costs are actually incurred.
The Budget Process
Budgetary planning may differ between...show more content...
В•Forecasts for operating expenses.
В•Income, cash, and balance sheet budget statement forecasts. (p.498)
The budget process may start with a sales forecast that describes "expected revenues from groups of
products." (p. 485) Total revenues can be calculated based on a number of factors that include both
the product markup as well as a fluctuating commodity price.
As a first step in the budget process, sales forecasting allows for other budgets to be planned on
sales activities. Purchases and production, for example, depend on the forecasted sales and
subsequent inventory levels to be managed. The operating expenses are then budgeted as a result of
the sales budget and expected costs of purchasing and production (materials, labor, manufacturing)
as a measure of Cost of Good's Sold.
The budgeted income statement, cash flows, and balance sheet follow in order. The income budget
relies on the revenue and expense forecast from the operating budget, while the budget cash flows
are planned for financial and investment activities. A final component of the budget process, the
projected balance statement, can be used to tie in all the budgeting dependencies. Once a budget has
been prepared, evaluation can be expected before approval. Budgetary components may require
several iterations before finalizing the organizational budget.
Budgetary Assumptions
There are many assumptions that planners, economists, and managers can make

Essay on My Personal Financial Plan
My Personal Financial Plan
I. Current
A. Description
Currently I am a full time student, and senior, at majoring in Accounting and Finance. I do not have
a part time job and do not plan to work until I graduate. I currently have taken out student loans to
support myself through the rest of my college education. My parents pay for insurance payments for
my car, cover my phone bill, and provide me with medical insurance. I pay for all the rest of my
expenses, including rent, food, gas, and all other daily expenses. I currently have no investments
and no substantial assets with a value of over $1000. I graduate in May and have signed a contract
with KPMG to start work as an auditor in August after I complete the CPA. I...show more content...
To accomplish my second goal I plan on putting a cap on my level of living expenses that
increases at a smaller multiple then my income each year. I want to give another half percent of my
income each year. I will budget out my salary for discretionary and non–discretionary spending and
stick to the budget by limiting use of credit cards and attempting to pay cash for most items I
purchase. This will help me control my cash outflow.
E. SWOT Analysis
Strengths
Most of my assets at this point are in cash so I have a lot of liquidity to pay off debt or other
expenses. I am a very goal oriented person so when I set goals to follow to financial success I take
them very seriously. My job at KPMG is a strong job with high future potential earnings as well as
learning opportunities. One of the best things about auditing is that I will be able to find a job
making a lot more after I work a few years at KPMG. My knowledge over investments and how to
invest is very good which will help me to continue to make money in the market. When looking at
risk management, my health is very good, which means I should hopefully not have very high
healthcare costs. KPMG provides a good insurance policy that covers any of my insurance needs
and reduces my risk. KPMG also has a very good medical reimbursement policy and a high quality
of other programs for their employees.
Weaknesses I do not have

Kids For Cash Film Analysis
Kids for Cash documentary gives an eyebrow raising gesture throughout the film, while unveiling
details of stories told by juveniles. Judges Mark Ciavarella and Michael Conahan sentenced more
than two thousand or more juveniles during their terms. Ciavarella and Conahan inherited money
through sentencing juveniles to privately owned youth detention centers. Many kids and parents
would be affected by their sentencing terms. The Juvenile Law Center received numerous
complaints and dug further into cases handled by Ciavarella and Conahan. Which lead to them
filing a class action lawsuit against the judges and others involved. The judges were finally put on
the radar and exposed to the F.B.I. and I.R.S. Ciavarella and Conahan were being investigated

Cash For Grades
As a child, have you experienced at any time that your parents have compensated you for earning
great grades? Many parents currently will pay their children if they bring home an A in their report
card. The parents feel that their child should deserve compensation for the decent grades they
receive. But these parents do not understand the negative effects that can occur to their children.
Parents should not pay their children if they excel in their education because money may not be an
effective motivator, it does not instill intrinsic motivation, and it can cause unfair pressure in the
classroom that leads to poor performance.
Money may not be an effective motivator for great grades. Liz Pulliam Weston, who wrote the
article "Is it Smart...show more content...
Many states and cities have these Cash–for–Grades programs that will pay children if they achieve
satisfying grades. One of these programs is the Kentucky Educational Excellence Scholarship. It
provides up to 500 dollars in state revenues to children that have all A's in all their classes. But
when children obtain a C, their parent's will become furious since their child has a C, and
receives no money (Flannery). It would be wrong considering children that do not have wonderful
grades could be from poorer families, so they will probably need the money more than children
coming from the higher classes. According to the article, "Cash for Grades", it says, "In a
well–known Stanford University experiment, more than three decades old, researchers divided
preschoolers into two groups: one that would get gold stars for their drawings and one that would
not. Both drew enthusiastically, but when asked to draw again – without a reward – the gold–star
group cut its drawing time in half. It appeared as if they had lost enthusiasm for the task when it
did not come with a reward" (Flannery). These children are only doing the work to receive the
reward at the end, not for the benefit that it can help them later in life. If we keep rewarding
children for everything they do, then they will expect a reward for everything they do later in

Essay On Cash Equivalents
Cash and Cash Equivalents
Cash This includes money and other negotiable instrument that is payable in money and acceptable
by the bank for deposit and immediate credit. Examples are bills and coins, checks, bank drafts and
money orders.
To be included or considered as cash, it must be unrestricted as to use, meaning, it must be readily
available for use or payment of current obligations, thus, not subject to contractual or legal
restrictions.
The following items are included in "cash": * Cash on Hand * Cash in Bank * Cash Fund
Cash Equivalents According to PAS 7, cash equivalents are short–term highly liquid investments that
are readily convertible into cash so near their maturity that they present...show more content...
This method is simple. The amount of cash shortage is drawn from one bank and subsequently
deposited to the other bank.
This can be discovered by the simultaneous preparation of bank reconciliation.
Accounting for Cash Shortage * It is initially recorded by debiting "cash short or over" and
crediting cash * The cash shortage is closed to "due from cashier" account if the shortage is the
responsibility of the cashier * The cash shortage is closed to "loss from cash shortage" account if
reasonable efforts fail to disclose the cause of the shortage
Accounting for Cash Overage * It is initially recorded by debiting cash and crediting "cash short of
over" * The cash overage is closed to "miscellaneous income" account if there is no claim to such *
The cash overage is closed to "payable to cashier" account if the overage was the money of the
cashier
The Imprest System This is a system of controlling cash which requires all cash receipts to be
deposited intact and all cash disbursements made through checks.
This system suggests the use of petty cash fund since it is impractical to always use check in paying
expenditures especially for small expenses.
Petty Cash Fund This cash fund is managed using two methods namely: * Imprest Fund System *
Fluctuating Fund System
The main difference between the two systems is the timing of the recognition of the expenses and
the cash account that is credited when the petty cash

Essay on Cash Flow Statement
Introduction
In financial accounting, a cash flow statement, also known as statement of cash flows or funds flow
statement is a financial statement that shows how changes in balance sheet accounts and income
affect cash and cash equivalents, and breaks the analysis down to operating, investing, and financing
activities. The primary purpose of a statement of cash flows is to provide relevant information about
the cash receipts and cash payments of an enterprise during a period. Essentially, the cash flow
statement is concerned with the flow of cash in and cash out of the business. The statement captures
both the current operating results and the accompanying changes in the balance sheet. As an
analytical tool, the statement of cash flows...show more content...
There are 3 major categories for the information that is reported on the Statement of Cash Flows.
They are operating activities, investing activities, and financing activities. Between the three major
areas, every aspect of a business' transactions is covered. For example, it shows how a company
purchases and finances an asset instead of just showing the amount.
* Usefulness:
The information provided in a statement of cash flows, if used with related disclosures and
information in the other financial statements, can help investors, creditors, and others to (a) assess
the enterprise's ability to generate positive future net cash flows; (b) assess the enterprise's ability to
meet its obligations, its ability to pay dividends, and its needs for external financing; (c) assess the
reasons for differences between net income and associated cash receipts and payments; and (d)
assess the effects on an enterprise's financial position of both its cash and noncash investing and
financing transactions during the period; (e) improve the comparability of different firms' operating
performance by eliminating the effects of different accounting methods. For example, in Balance
sheet, some companies may use FIFO method to

Essay Good Money Management
Money is something that encases our whole lives. We all know this yet many of us fall into the
traps of debt and overspending without even knowing it. The feeling of never having enough
money or living paycheck to paycheck can lead to serious finical troubles that can and easily will
carry over into a lifetime of financial struggles. Good money management and good money habits
are the same way. Those skills can make a life of financial ease or struggle. All it depends on the
skills one develops now as a teen. Money management is not a completely restrictive thing. Many
of the skills learned can be use to help friends and family struggling with money. It all starts with
clearly seeing the problem. From here the problems can be corrected and...show more content...
One major flaw in this system is how big and spanned out this loan is. For a lot of teens with loans
they want small amounts to make payments on. These can range from $50 to $100 dollars a
month. The problem is a loan with payments of "$50 dollars a week takes almost 5 years to pay
off". (Junior 3) This long term loan brings in long term interest. Interest is the rate at which
people pay the bank for using their money. This amount of interest paid to the bank adds on to the
amount of money you had originally taken out. Many people, adults too, fail to take this into
consideration when they take out a loan or spend with a credit cards. Credit cards work the same
way as a loan just on a smaller scale. These two factors can lead to large debt issues for teens and
adults. Debt issues that can and will follow them for a long time along after, making it hard to get
out of. Seeing the problem of debt and over spending can be overwhelming. There are solutions.
Big things have little beginnings. The first real step towards a sound financial life is getting out
of any debt. This can be done by focusing in and paying off friends or talking to a bank and
making loan payments larger so less interest is paid. Once debt free the next place to go is back
to the bank. Start a savings plan. Just $50 dollars a month grows to $3,333 in 5 years. That is an
amazing amount of money to have as a teen and allows so much more flexibility when it comes to
financial decisions and purchases.

Cash Budgeting
Robert Buckman
7/28/10
Using a Cash Budget for Planning Purposes
Introduction
Let me begin by explaining what a cash budget is. A cash budget is a tool that helps individuals
and companies forecast a short term financing needs. Investopedia defines a cash budget as, "an
estimation of the cash inflows and outflows for a business or individual for a specific period of
time." (Cash Budget) A cash budget is used to determine the borrower's ability to generate cash and
repay debt. A cash budget also provides an estimate of a company's or an individual's short term cash
position.
In this paper I will reveal the primary uses of cash budgets, as well as lay out a format for a cash
budget, explain which borrowers should prepare a cash budget...show more content...
Banks use cash budgets to determine when customizers are likely to need to borrow and to assure
themselves that borrowers will be able to repay the loans. On occasion the bank may want to rework
the cash budget and distinguish how unexpected changes in cash flow assumptions change it. So if
sales were lower than expected how would the company be doing and are they going to be able to
make good on their commitment to the bank. This could enable the bank to uncover financing needs
for foreseen by the company. For example when the cash flow shows the company produces less than
its minimum cash requirement, the company will need to borrow money. If its cash flow is monitored
monthly rather than quarterly or semiannually, a company can react to problems more quickly. "If it
appears that budgeted amounts could be significantly different from the past statements, then further
attention should be given to the budget. Some factors affecting the budget may have been
overlooked or past statement relationships may no longer be applicable, due to unnoticed changes."
(White, 1997)
However it is not only companies who benefit from constructing a cash budget. "For individuals, a
cash budget is a good method of determining where your cash is regularly being spent. This is

Cash Management Essay
The management of cash is essential to the survival of any organization. Managing an
organization's financial operation requires knowledge of the economy and ways to maximize
revenue. For any organization to operate on a daily basis adequate cash flow is required. Without
cash management the organization will be unable to function because there is no cash readily
available in case of inconsistencies in the market. Cash is also needed to keep the cycle of the
company's operations going.
Many organizations have maximized the use of cash on hand by effective cash management
techniques and the use of short–term financing. This paper will discuss various cash management
techniques and short–term financing methods used by organizations....show more content...
In the business world companies are always trying to maximize their earning potential by
strategically investing in short–term financing. In terms of finance short–term may mean months or
even a couple of years. The type of finance method that is used is contingent on the specific needs
of the corporation. These methods include trade credit, bank credit, financing through commercial
paper, foreign borrowing, and the use of collateral, accounts receivable financing, inventory
financing and hedging to reduce borrowing risk. Trade credit is the practice of purchasing goods
now and paying for them later. Trade credit is widely used and "is the least expensive and most
convenient form of short–term financing" (McHugh, McHugh & Nickels, 1999, p. 573). When a
company purchases goods on credit an invoice is received outlining the terms of repayment. An
invoice contains terms such as 2/10, net 30. The total bill is due in 30 days, but the supplier has
extended a discount if the amount is paid in full within 10 days. Finance managers use the
information on the invoice to perform an analysis to find out if the discount is worth paying the
invoice in advance or if there is opportunity for more earning potential if invested elsewhere.
Banks issue credits to organizations seeking funds for there ventures. The bank usually "prefers a
self–liquidating loan in which the use of funds will ensure a built–in or automatic repayment
scheme" (Block & Hirt, 2005, Chapter 8, p.

The Future of Our Money Essay examples
The invention of money is perhaps one of the greatest achievements of human civilization. From
the very beginning of society, people have used money to circumvent the difficulties of bartering
and to foster trade and commerce. Since then, money has come a long way. No longer do we need
to rely on silver coins, cocoa beans, or even anything of intrinsic value to conduct our business;
today, we use paper currency, which is convenient and easy to carry around. But slowly, we are
moving into the digital age of money, an age in which less of our money is actually tangible and
more of it is just data on a computer server. To some, this prospect may seem daunting. However,
given the major advantages of electronic money over outmoded paper...show more content...
Some would be quick to point out that, as cool as these features seem, they are nothing but
gimmicks; however, these conveniences are designed to make spending easier, and ease of
transferring money actually helps to promote consumer spending. For instance, in 2009, sales on
"Cyber Monday", the online analogue of Black Friday, rose 11 percent from the year before,
despite the worsening economy (Coremetrics qtd. by Kharif). People are quickly moving from
physical, brick and mortar establishments to the online world to make purchases, aided by the ease
of purchase and a greater variety of items to pick from. Similarly, donations have also seen a surge
thanks to the digitization of money. In the wake of the recent Haitian earthquakes, more and more
people have made contributions via clicking a button on online services such as PayPal or through
simply texting the phrase "Haiti" to 90999, which automatically adds $10 to the sender's cell phone
bill. (McCoy) These methods of donation are convenient and easily accessible to everyone, enticing
more and more people to make donations. Relief agencies welcome these payment methods as a
major improvement over older, slower methods such as "contributing via the U.S. Postal Service [...]
or by calling an 800 number" (McCoy). Such institutions exemplify the necessity of our money to
change

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