Cash Flow Creation

a. accrued earnings.b. profit incentives c. organization charts d. cash flow, more 

I know I don’t need a degree but I’ll have the GI Bill so what would be a good major? All i can think of is accounting but can you major in real estate or investing, i have no idea, more 

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my husband has been approved for a va loan. we are aware of the no down payment, most of the closing costs being paid etc. my question is about the paperwork from the bank that gave him his pre-approval. there is a section in there which states they have to see $2000 in your bank account. we have what we need to move in, pay the fees our realtor has already outlined for us, etc but we do not have two grand sitting in the bank. i can understand why the bank is asking this. i’m curious about if they are just trying to make sure they are going to get their money will it matter that he is contracted with the military for the next 10 years? in other words, there will be a steady cash flow for at least that long. does anyone know?
on our approval letter it states “items needed” and at the bottom of the list it says $2000 in the bank for reserves., more 

How do I calculate earnings before debt and taxes and present value of cash inflows from this information:
The company plans to purchase a new piece of equipment (to be used over a six year period) for $320,000.
Cash Flow Depreciation
1 $120,000 $64,000
2 105,000 102,400
3 80,000 61,440
4 65,000 36,800
5 53,000 36,800
6 45,000 18,560
The firm has a 36 percent tax rate. Assuming depreciation is the only expense and based upon the cost of capital of 10%, more 

How do I calculate present value interest factor of annuity from this information.
The company plans to purchase a new piece of equipment (to be used over a six year period) for $320,000.
Assume the cash flows and depreciation (based upon the use of the 5-year MACRS Schedule and Table 12-9) for the new equipment is as follows:
Cash Flow Depreciation
1 $120,000 $64,000
2 105,000 102,400
3 80,000 61,440
4 65,000 36,800
5 53,000 36,800
6 45,000 18,560
The firm has a 36 percent tax rate. Assuming depreciation is the only expense and based upon the cost of capital of 10%, more 

Hi, I am having troubles figuring out the answer to this question:
You wish to save for an overseas trip and will start depositing $250 at the end each month until you have exceeded your target of $2,000. Assuming you can earn an interest rate of 12% p.a. (compounding monthly) on your deposited money, what is the accumulated amount you have to spend if you leave 2 months after the last deposit?
Could you please show your working. Thanks heaps! :), more 

Hi All,
I have to do a project on credit control, basically a very small company has no set procedures for debt collection, and has introduced a simple system for maintaining debt levels, an excel spreadsheet with all the info on there, colour coded for reasons of non payment, room to write comments about what happened when they called to chase the debt etc.
Now they are asking for a detailed cost benefit analysis for implementing this new ’system’, and I have no ideas at all!
Only that the benefit would be reduced bad debt therefore your cash flow would be better, but this isn’t ‘detailed’ enough…..
If you have any ideas/suggestions I would really appreciate it!! Thanks :), more 

Eqt cost $125,000
Installation $10,000
Expected Sales $225,000 per yr
COGS 60% of Sales
3 Year MACRS depreciation (33.33%, 44.45%, 14.81%, and 7.41% for yrs 1-4 respectively)
Increase net working capital $10,000
Marginal tax rate 40%
Discount rate 15%
Question: What is the operating cash flow for year 1?
This is what I came up with:
Sales 225,000
minus COGS(60%) 135,000
equals 90,000
minus depr yr 1 44,995.50
equals 45,004.50
minus tax 40% 18,001.80
equals 27,002.70
then add back depr. 44,995.50
equals 72,998.20 operating cash flow for yr 1
BUT…this is supposedly wrong…the correct answer is $64,798
Please help….I have worked on this for hours! Thank you.
Discount Rate is 15%, more 

I was laid off. And have not been getting anywhere with good paying jobs. Hey it’s not that I am being picky, but I want to be happy too. And I am tired of working for other people. So I think now is the only time, free time, to take a chance and see if I can do this on my own and get into the real estate business. I will be taking my real estate salesperson exam in 2 weeks. I am meeting with different agencies/brokerage to see what is the cost to get started..oh boy! I have enough money saved up for the next 3 months, plus unemployment, and I am little concerned that if I just focus on selling houses, with no experience, which isn’t doing so well in the market, that I will not be able to bring any money home in that time period. So should I start off in rentals first then work my way into selling homes? Also, I met with a franchise (Re/Max) brokerage and he kept suggesting that I do both (rentals, houses), but after I saw the fees just to join and start up ($1300 $283 monthly fee), I wouldn’t even last a month, especially with the monthly fee. So I was wondering should I keep interviewing with other firms that just focus on rentals and earn the cash flow. This is what I am thinking. Anybody can break it down for me please, give me some suggestions, so I won’t be burning my money. I knowi t’s an investment, but I want to know what I am getting my self into before I just invest more money. If I have to I will get a part-time job, just to keep some extra money coming in. Let me know what I should look for and what to expect. I have so many questions and I want to ask as much as I can before I decide to do this full-time and join an agency. Also, I live in boston, Mass –any suggestions or reccomendation for good brokerages/agencies? Thanks, more