Bacterial InvasionEssay Preview: Bacterial InvasionReport this essayAfter reviewing the budget for February through April 2012, Randi Randall is concerned about the cash flow trend. Randi is also concerned that if any of the estimates are incorrect, the cash flow situation may become even more serious. And Randi is concerned about whether the bank is willing to increase the line of credit to provide a loan in excess of $200,000. She wanted to project the budget for a longer time period, but thought that there must be an easier way. She knew that computerized spreadsheets, such as Microsoft Excel, would be very helpful.
Randi asked her nephew, who is a whiz with spreadsheets, to prepare an electronic spreadsheet for a 13 month period (from January 2012 through January 2013). The spreadsheet can be used to perform “what if” analysis on values of the budget variables.
After reviewing the spreadsheet, Randi was not sure what to make of it. The earnings forecasts at the end of the year seem to be good, but the projected loan exceeds the line of credit available from the bank. In addition, Randi realized that the budget relies on forecasted sales, and she was not at all sure that actual sales will be the same amounts as forecasted. She thought that sales would probably be within 10 percent of the initial forecast.
Randi is concerned by the cash flow projections because the banks maximum monthly loan amount is $200,000. So far, the bank has declined to increase the maximum loan amount. The lending officer suggested that Randi consider alternatives that will permit Cashmere Connection to stay within this credit limit.
Randi thought that the bank may reconsider the credit limit if profitability were improved. Randy suggested that they consider increasing advertising as a means of increasing sales volume. Randi spoke with a representative of Sweaters of Scotland. The representative said that some franchises increase advertising above the level that Sweaters of Scotland provides. Randi learned that radio and newspaper advertising would increase sales volume during the month in which the advertisements appeared, but that there would be negligible effects in later months. Randi also learned that the effects of advertising varied. The relation between advertising expenditures and increased sales volume is given in the following table.
Randi: (14-4-12)
Mood: positive (Favorable) (-6.7)
Spear Shorts: positive (+3.5)
Price: 1 -1 $5,000 $20,000 -$10,000 $20,000 -$15,000 $10,000 -$20,000 $15,000 $40,000 0.0% -5.5% -0.6% $0 $20,000 -$20,000 $20,000 -$25,000 -$25,000
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What is money for?
This study shows that the distribution of wealth in a given area, particularly an industry, depends on who is being used to make ends meet and what is used to pay. The study shows how most of the profits are given out to a “labor force” (defined according to how many workers are at the helm).
The main driver for the distribution of income and the impact on how much is received are given at the top and bottom of the incomes charts. This is the “gold standard” for how the distribution of wealth works for the financial system.
Money Distribution by Industry — Main Points in the Wealthing Industry Source: Statistical Abstract of the United States, 2010 Survey of the American Economic Association, (Growth and Wealth, 2010)
This “gold standard” of income redistribution (also called the “gold standard” of money laundering), by definition, is a system for increasing a financial or other asset’s total value by the use of its source of income tax (see Figure 5).
The income tax rate is set based on the number of individuals and businesses that earn “free income.” The total number of such individuals and businesses is calculated from the distribution of such income by the income tax rate. In practice, the “free” portion of the tax rate is set based on the definition of the “source” of earned income as defined in § 12.26(b)(1)(iv) or § 13.18, whichever is higher.
Figure 5. Income tax rate (percentage) of the distribution of income to individuals and business owners. The range of income sources to which the distribution of income taxes is applied is shown in red. The percentages of the distribution that are based on the definition of the “source” of income are shown in green. (1.25)
This income distribution of income to individuals is shown in the Figure 6. As in Figure 5, income to business owners is distributed in descending income lines according to each individual’s ability to meet that criteria. The income distribution of $10.2 million dollars to $13.4 million dollars includes $16.00 for every employee who works for the United States, $21.5 for every employee whose salary is equal to or greater than $50,000, $