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Operating Cash Flow

By Author ⋅ September 11, 2008 ⋅ Post a comment

In financial accounting, operating cash flow (OCF), cash flow provided by operations or cash flow from operating activities, refers to the amount of cash a company generates from the revenues it brings in, excluding costs associated with long-term investment on capital items or investment in securities.
Operating cash flow = Cash generated from operations less taxation […]

Ways Companies Can Augment Reported Cash Flow

By Author ⋅ September 11, 2008 ⋅ Post a comment

Common Methods Include:
* Sales - Sell the receivables to a factor for instant cash. (leading)
* Inventory - Don’t pay your suppliers for an additional few weeks at period end. (lagging)
* Sales Commissions - Management can form a separate (but unrelated) company act as […]

Benefits from Using Cash Flow

By Author ⋅ September 11, 2008 ⋅ Post a comment

The cash flow statement is one of the four main financial statements of a company. The cash flow statement can be examined to determine the short-term sustainability of a company. If cash is increasing (and operational cash flow is positive), then a company will often be deemed to be healthy in the short-term. Increasing or […]

Cash Flow and Classification

By Author ⋅ September 11, 2008 ⋅ Post a comment

Cash flow (also called net cash flow) is the balance of the amounts of cash being received and paid by a business during a defined period of time, sometimes tied to a specific project. Measurement of cash flow can be used
* to evaluate the state or performance of a business or […]

Credit Card Debt

By Author ⋅ September 10, 2008 ⋅ Post a comment

Credit card debt is an example of unsecured consumer debt, accessed through ISO 7810 plastic credit cards.
Debt results when a client of a credit card company purchases an item or service through the card system. Debt accumulates and increases via interest and penalties when the consumer does not pay the company for the money he […]

How the money gets to Student or School

By Author ⋅ September 10, 2008 ⋅ Post a comment

There are two distribution channels for federal student loans: Federal Direct Student Loans and Federal Family Education Loans.
* Federal Direct Student Loans, also known as Direct Loans or FDLP loans, are funded from public capital originating with the U.S. Treasury. FDLP loans are distributed through a channel that begins with the […]

Federal Student Loan Consolidation

By Author ⋅ September 10, 2008 ⋅ Post a comment

In the United States both the Federal Family Education Loan Program (FFELP) and the Federal Direct Student Loan Program (FDLP) include consolidation loans that allow students to consolidate Stafford Loans, PLUS Loans, and Federal Perkins Loans into one single debt. This results in reduced monthly repayments and a longer term for the loan. Unlike the […]

Credit Counseling History

By Author ⋅ September 8, 2008 ⋅ Post a comment

The first credit counseling agencies were created in 1951 in the United States when credit grantors created The National Foundation for Credit Counseling, or NFCC. According to W. Patrick Boisclair, Chairman of the NFCC’s Board of Trustees, “the NFCC initially monitored legislative and regulatory activity for its retail credit members” and “also conducted public awareness […]

Debt Management Plan

By Author ⋅ September 8, 2008 ⋅ Post a comment

A Debt Management Plan (DMP) is a method used in various countries for paying personal unsecured debts (which typically are out of control in the sense that payments are late and those due are taking too large a portion of income, or even exceeding it) that involves noting all the debts, assessing income and budget, […]

Credit Counseling features and Management

By Author ⋅ September 8, 2008 ⋅ Post a comment

Credit counseling (known in the United Kingdom as debt counselling) is a process offering education to consumers about how to avoid incurring debts that cannot be repaid. This process is actually more debt counseling than a function of credit education.
Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a […]

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