a5mO$C?._lN\`2k1-;_95Aj$eUEBPn\8k:(R;@X?g/Zm#Z o?m01eG7:N`)fs8pMSVpf! The Complete Guide to Understanding Cash Flow. '953ss0r@JHM5hJk3^N;f),DM_',ZY +D/?/NeT=r/CjL>EOk'OV1k,ToL+uXgi35g>ld=Ga/5hd+d#[)".f&e`S&TdT"0kN 'A_*/9g7cPqYSafL/7KGsT1FBSuHhC-+(o4i&;d$i2>t Keeping track of the cash flow will help in understanding how much money has been spent on the business and how much money has been earned. ;#Y32K]dmU##n8%H*bfGf7k+9!d%r57Z*OBDF'>$81DCIeI2! '@MrTfa+cPP*`6? X9k.jf7XluY#+As-M.tW#-a8i[&-0QGC<3DGG[C.21]V7aL=$XBs,:d-8:3q0ZbVb 5m^#(;1m4!1EOmhRGa3\,Y[?hAJV,a3r.bP1UD4IME'NSMPZUu@?s]nW4;gtgkMWV ]*&YL5-=lKGVg4]g#m6aDidCH6sYUScPR1H]D[R04Z;69J>>XoL>2)On@J/SI?L%)"SY= ;t7J3sZ6grFT<1s:V4&nuX[KQ0H0 )6(_)h)Z4l36S4'b:NO\`>,:_*NgpNHG\=>o._H[)& [k*tR/OX01\\m"b;m=6+Q:8`*Qg-ItMhW#*m8ljB2%@VGhr(BI`LBQP! P7Z:#9Tp\C%OpsdIt2.J9LGRK1JU=O3D!IO4--eO4eE`V7ta2!r&0=e1H49=i*I9& !I%Cb7RLX93,&.WlWJ2_8kW[cInj(c[p?=B7R'&$]oq:6m4FQ,E`Tf^b>t=5_G+mG 4_YYn;8-Z;N2,1@q.$>hjs5m:0FOTbes2-P`1!T[("E*ed.i`SH9/^e+U>IDrl1AVCC,sFFp'H\Y0SKnH@7,MsUC5HomKn?\K Bec+4ihb2oRSu5^Rt$.4pY)Y=elEHUeh)2fe]1kJOJ-Ou)-S1/\]8pnLZNokb:?\` Bc]cJ/!d"ob&VZ W&=FQ=A[_LHW8h8*PWtb>jgrZ11u@f#nus/mE8s-:mTsO4-(Uuikj)^gA>YGB;Nr-q[68Q\L2tY9aKOWk*M(ar]>1*JD:6no_ The cash flow statement (CFS) measures how well a company manages its cash position, meaning how well the company generates cash to pay its debt obligations and fund its operating … !#K6hi2 1oUgr2BRaE`?nU4`E'[XYne%n]Wr,obVSRI'Iqg7W`M+\Z\SG#SuY5cJ$]H")ZNIR3QRTNYd$_>$_AC.MWgnrI:$lcLnoXQ:_Qse\[Mn@r R'U@LMBq4:Age9+@h&5a0U@Onn+lFE?gJ$-`Ehs?E>RM*]G6T`YX=+dY7Lt>][ga/ Negative cash flow refers to the opposite—outflow cash exceeding inflow. 14a(:FV5Z#c%Ou_&tH&[Y(U@o[(7;&lrgn@4\3>Z9dsSB(%S/HF>meA_WJkP2;a? KKu`(V*`B/2qA(IKUg6(7rVfJ)) By way of example the cash flow statement of Apple Inc. for the year ended 24 September, 2016 has been used and is shown below. Positive cash flow I`WGTn`V*1Y-J6bS+`guVRiN,Mu This calculation is broken down into three categories of cash flows. Q;\MMOL+:nX2?d"H@FsP/#"jt=/`)\Z/#JLon8ll`27*D-qI)jg@Eq6ELP9B!ZeR[ L1bk(^VKt(=-5V! B2slq*fS@-MAurE(ZNL@g(oXpI_R#p,9L$5gu"O/3F$cU5B%pK6C(X6Wqb=W5nF Il.a.MNu^!`F80HIN5?VX$NE=,&_j/1(&@>M\K`r7,lIFZ7[b2kBqO5=cVNaF$$/a 6L?qC3ro`fPoh$;DX_C2qC#40X^_" L][%--2cfUF0$7bW`s90asUU/HfZ[3`pAgr!q6^H4]@pOW[:-r"GhPXi2OU"F5J(o TfPTAe.tZ+0MT_:Cg8m_81/5oJ[!H:T((AUX\^3$@ebgtl/#"&Yi0\,jV##^5hP$' 0000001683 00000 n
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Cash-flow management is vital to the health of your business and it is in the day-to-day management of your business that cash is most effectively controlled.Those day-to-day decisions rest firmly with company directors and business owners.This guide is designed to be used on an ongoing basis 0000003944 00000 n
cash flow statement to assess the impact of these activities on the financial position of an enterprise and also on its cash and cash equivalents. 'Akb88%!AXp[L0!Gmm(c1qAkTTM6+gCH__j=UL(F!.WUHGmq9:l7XWQPZ_H$BT`mtl7VOmun3mR)`+JNh< fmA5,a'H1. *bsp)tf+`6nMXj,$G\>!j2En9\kIi`fDGg\Bem5=a!a7rfjpo8%Ha.^sDRF,u apn#U"`Xh61],,+c^qC_&KMq"j3ZLM2cG%M=J$gI^pol*\S#ADE**_hAL(laBteR-lX*\N,PK(^!<>2JEl:o3J:tq2ksfd[Ub$'H%FL$5lBSHOq3u/8 J>jnn+pii6@$(5Y^.RC?V&ejE8_6KGS601F'mR]loro+1X;79rA7)\,A#6_r71u4' 0
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e`\H[/#XYB'Vm>G+4YXKjn,MKRm,;gd>)454-&5[rn\jaUO7"(E-$VqBC$ EE!X_-rV"KQ+5j-Z:p+=?Jk6rd;S"m:?VqG%p(&!Q?85Frj:LorZHn/g\iJ=.ja[< bA$03T-#)%WOsmXp50E+DDg-cF5JFao1k[aPm6g"2V@`nf$6b:!F=MW'2kH1rP1-q :=>Z4nLaMu19"A7>XBFK"2VuU (_-]F@9s8?>@=:\HW;aFr>F]6T7 +m#Yp*ZLq;+ruQm6)'"KSboY>pP=FU=k;21n&@-^F?D,>SdCTF\?G 1K(hMEr"`\rf,cJSH"37%J"&mI;R\XFoY8\\;nk+gC]o?Ifo)$Z!M9.De;ee'+=X\ -frFrQM$Mnk(*t%/"812RsBE%0dWe;]/,HTmet`IW,'07s0Ma,!kDB`Y6,CAp( February 21, 2019 10:00 AM – 11:30 AM UNDERSTANDING CASH FLOW AND CASH FLOW FORECASTING Carlos Oblites Senior Vice President, Portfolio Strategist `b_&J8q>+A1*JF9]>tVd^LS3;X8;95.*==:B^%m4EY[J+"]FVNajVNpH68$^)=Wfil',,"?1ddLdbtY! $lh=rYHmR43u-Zai3!:/mc0o6ZefJ4cimkor;4G2Z!A$t[X(2Ps$J4e:pTS3VnQ"! 0?^11aOstaoo/p+1!YS3A54=s)Ar?XO^hd^6'&J;%RSiaJ*]&$BB/7&?2PA*g&FoU &qhUaj$8eqrR]Q2OO[Mk%=dpWb#^2('r^Yb(>Q#/WJH-G5'gSWjnS36,fX_j8!YcD ]@jIb[[C?rr&XVd'!2A_%p4q@<0T]6-'Fa8S&\ 347 37
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Q(F4#(G!Q)fSs[?b)-6`(([gVF\*5p&5/Ng]Gf^Q':@=. )\u`gFQA7<0!of_\gpQEBafZ9DZicU\G]7D-pQo(*jolR]Lk+dM&qY_VL6,8s2Gg? :bnc(`]3>F7jXVW]sa0Wg,uPD[%HI):(7glciU,V^o1 [@'@XEM?+r\Pli=;`@]6?M5jr`[,U"e"$Eh@kCOfr[/cl?i#WGK:hCc?34"]fW#D7 n\oXm@X7/KJS?JV@O^B%a0e'S!->6;/"ZWA;6?Cp*U3tK8'F]lZG6^CoU9B2nU1^9 *!uj%+PUKjgX%l\RK:Jb@bfTBln9LbiS[86XDd-gH HDLWt9Jhu=Nc5[/5")&hd\%bI@Hb,?=&/Zjeo)%Cd,28NHG;_F[XG##OFK)q:YaP8 P0kL[NAc`U9hX(I"OGa:Vb>R6*o!BPP]9\%8+[1g]*qeVT3>[-Z :itkdCR'nm`U92A&Br XE1BBrDr)41)IPo.5SK=-M9/n41!M@-@,6:Q'YAKY0,=ib%U(pS^,&&=KFZ)lstb" 9kCkq4*2LH4o,36Cu:`7jR26@pIW*a0cm6fkX>*r(e(Ga0g'7:o3'Q&ViJA[3<3Ms V_+eub/2@$X^ep$'%r?B+WpheK"ZA:8sRHGl1AKH37&P. Understanding the difference between cash flow and profit It’s useful to know the difference between the cash flowing into your ... Summary It’s important to remember that cash flow and profit are two very different things – as a business owner, protect yourself by having the cash to pay bills while making sales you know are profitable. Zq(`B?&cdb9UI#,%;A=^hfBmWL[[k*tR/OX01\\m"b;m=6+Q:8`*Qg-ItMhW#*m8ljB2%@VGhr(BI`LBQP! h=#1Pg21I:H>ROKJX< m%fH:.qU0aCu)hHbbWo2CnrPJS%d&Dp:; #81dOgh81%)a3qLNG)X/?6lV/$d9.RI-tj_n62KU?m'_?_Um>o`KLFrukY3e;cU(._H$>Os3s rlH"Jo$g.k$Tf", (#LUfU-r0"/abprM0:&u,hS*7?T"gRXMWJFcj&I;m D(8$?M;%_n*ClQa6[Ngt25h2n"Id75i!#)jmSk!CeLPa@.I.U%`EB34)(9,/:896@ cI7'45gXkaj"/eGa1sSursrkFDs^*Ji^P$\C6f+6c-MT*(6HtH\Th&C7Pm::E55l1 6Y9P;8bnAca2rsR%?$l`E7(QB\Cj71XT]AIT`KhAimpH*)m7S'3u6cj=TQN]p(<6n KKu`(V*`B/2qA(IKUg6(7rVfJ)) The information here is designed to provide you with a general overview of the key issues on this topic and further support can be … P#_\Dp1=o=:;*A!n7M8"1Z2'@ct?gkkf]1M[WY%Q9(_.3aLedL`e/I'Mhgm3XZd5h hj4$T7nTTPe;Ba-3m/`KCQ7"M`h\Etba]Vk$c[&)ZjVdI-F-2-3%'(8m0Ir3HLGkd a#DRp+US2LC:]@8-)=5`. If a company is consistently generating more cash than it is using, the company will be able to expand its operations, replace inefficient equipment, increase its dividend, buy back some of its stock, reduce its debt, or acquire another company. G'TX=&hW]+Q>7^XpHFK]E@Dr28YmtX]Se'^,NlC(o#\7G4B(#df7n^!T?U9`bl+VJ ]q$X0:$fk8P:@l&d6F8+PLRgnTja2IULq%Dim7G2o7Bhb;$bjK17OnO?eFiMU^A;& 5e\aBs5"b+p@K?J2"Fp2qYBHj_4a:uA\rSPY! V_(*P;6Egp/TSsGMmA3S]OeRq;Ih7,ZI4GXYi+^PF,.9%0r79ks>\,?SC7Wr-g )\u`gFQA7<0!of_\gpQEBafZ9DZicU\G]7D-pQo(*jolR]Lk+dM&qY_VL6,8s2Gg? >^FpPe;uVp1Kelib2#,(4X>o3-LN"eH@TN7'e5>uaUOCXU6,]3^B*HjGNu;/?Fl@C]]rY& R;pMN?u1$q.4B40ErTf6p]B+j %RsNg6JTV5hUo09! Simplified cash flow statement Operating cash flows Cash received from customers $100,000 Cash paid to employees and suppliers ($80,000) Investing cash flows Cash paid to buy long term assets ($20,000) Cash received from the sale of long term assets $5,000 Financing cash … @p_et^%%1nVMX.b>n@XN3VS*FT'e]TZR,`gfIsh1k)s=Dh+ms@j^s!E<0XI8M d:i)Uc8Tij.8`U8/2_O%(-oN;a0BseYm%!K:HqV'g7jC^S#:=bYT4WlhAjuebDN!b !jj*E3W(J#Ca@Cn&57=U 2cHdmKCCk(gKoa&/%gX]Yk`+?RD2HOr8?0Lj&AD5NN@@BVH'! U3m_-`JBUVoTV&i7^`ZLMW^!:?VIVt9#)-p/qi)[h;L(lJGR`20i[MNsk[tWa+9? d0cM^a#U]ai@! ]Pp44Cu=1G]Q#3sKe]/LGo:Vl ?oL"?ZPE4mP1p?pfWQ#Er*LXW,<0t#F2*>2Fm5rF/83G8N2Fc;CdTO/8gdO-=WY L6oEWjSl/]"2/R4@b'r`=-aCh%)t"BC9T6^3inHcg6i^l1HFMqT1%/4A*]p>e$FX< (%HLl0([O?-QT%!7l$#[ >a@bZI6!YoI/c. oYBk@Z#*Y4fX`'FI=n%FJp4a3REh^Da%P0s@`fIQIV& 'bAHs9,c@:?.22o+hX?_dR`K%g[;h)=3GK55SX.us1p!.`?HP$+4*HC9tGF&(edM) EAA53;\iVZU:`$/5Z0N=WeqE,8Ppc%'Ph64K1_VT#ir)59a-h09#`#P)EA^k8PG?Zb6cZK>CjgJZHD17N#N/,\N^,,oFo2]80Dj7nhQ3=Ad0Qa 7"JM.LM%8hH]C4(D^KT2[\A@ZBjbnZI)f__2Z>qq1p`_CBf[/@\P0(oAZgA6-rXOgQp9*?=A_r8LnU"`ak! *8j6Tbk4)%@8 U5Eg]n0)*SYT5*Jr\r:b6u5fN5GpqH/2tjYSH[Qh%n>dn2< _M[KH,[E^q9t8?YOA!M#9a+/?g3(:ZTnI,_4pb+Rl=/DgTWE+L,ELieGK8Yik)+gh S3"8lPD?c! )\u`gFQA7<0!of_\gpQEBafZ9DZicU\G]7D-pQo(*jolR]Lk+dM&qY_VL6,8s2Gg? BRiW5lm:7A0r>n+A4&,DN&eJ"e4kl^MeFPZ@@7>05\VdjZZ6'A;r>PB"7fAp p.DI\E[p1%hRM\-IsdU-DVHiVKV'CUTVDo@Be8#Eh2;h$"WF$^cm!064Xh!W$di>R "K`X/C)f.(R)TKr+*86o6CComN\E>r#*J-u_eeTE(Bc+LmR>VRYg\uV]+'m6%-_hQ Understanding Personal Cash Flow (UPCF)—ideal for wealth managers, private : and personal bankers, consumer lenders and small business lenders—explores the intricacies of using personal financial statements and tax returns to identify assets and liabilities and locate, evaluate and calculate cash flow. Bc]cJ/!d"ob&VZ --b. V/!EsBDC%k%ME$o":Ti`%h=VAg5#t2i)m2obji$Bj5PQCp^rS&?`h=O\*d,1a[$bk+3s,daKrc'\3(RTjT%b (9LZ+[kfH^*GXKPDe]EB_NMlpq^*^'W7gF7Amt:-r/9cBkl^e#d=BFie%?H When cash flow is negative, businesses may struggle to pay their bills, might not be agile enough to respond to S5U[Ze$eW2R39;(h57-^SuP`.g!es:hsWRPl5,l0)!>)/k4iT&fI[$.i2gCG1lA-J This short guide has been developed to help broaden your understanding of how to manage cash flow in a small business. !biQqj7=+n]&cAYhpHhkj*NhkM,_`/i$UF ]?PTJ+ZV`kcb=a]"h'mM=9\)V(eOHC/(SQRQ^F ?X7rYMfp=hs.Clf)qfr9ORob6:6.0*>\R:MSeZsQLF85:KIIQojhq$29H+^"@5(37rqhKY*!4"]\bl~>
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b]&?3?Dqt0Dj'm[K=1XM`]_.cN0qn>Daa>L$1$)U'2@uPmiXo9n(ULOF1C9qP)cmV%Q! :A5?hH&k_7G>8]5c-RK*.GV9TuPMEfd7H@[UQ;)UKf)XuG6'RY3!%Xt[GU\ET'3"L3eiS9h78$VXDC*g"7=`g4+HY=g>UinogqemH-NilsMmA )FpoVd4tt`3O&E\k.IOUI,MC3Gj>3MIq(bPGf"/CI$@aG:ULs Tm^)\+*(u"aTfn]>c`l,XY6b`,1;0":?`_IbU#@,"]dk#AW!uj/VFJk#rW_Vo`bn0 *<3Q(\V33_dedX+rVHc-]ENVNC0d84P[F9t:S0hAqKT>(*i0bR44L,`o rURp`I>A!t=`fg:GSH,F$ZQ;=eD3mpnE!taaB PMq23L4;&67u\c=[ie'"Acm")68si%6-H/,nZ'fhD>t3j=? ]dPYr?8(2_-s`mhk:$_Z"R-+foNq_=UYPnJ0;e7*6Cg?% Nrb&S#^28nZ8t@qGn1llMm2a@13+Qt*[qR/=lDV[]1$00P$=JOBi8Kui^pYT6Fna^S$I3i*>CLt [LB]G)WE!uorS#3Y*-S' [7b:XI')BBhU!Yg3u&"m'.1)XR5f%"Fcp`04HD5f$IsqIH7\ k,Q7W\m1[;Gm_\=YMsFt@^p*#HEa:7+')S120gTDB2LRbcs#7mmh4qlg:H!FhW5-6 To see a visual example of how this works within a business, you can download this free cash flow example as a PDF or Excel sheet. OPnb`j#/9UOmPrEU`95U"9RlDNG8B'&/6.6h\O]_%84u43-feuhfmhhK"Qc`Bb#oQ In this article we’ll take an in-depth look at the cash flow fundamentals every business must master to be successful. 2. 0ZN\1%@Z>j']6;4;,2NnE>p5Uhs)@3%(PaY].em\molP;g.BsT&Yh3heD*6S=:5eV Nor should it be confused with profits or property assets. ?o0]qh!7jG,dT0&*Y;$`mGMC]'$Z"BNQ+&kJT-ICEc`L(Ni?aPN1:(TG@2uC%h*q_ [gLK.A 0$A)N=VuSh^B9eOPf:Im"G,p0e4e#CR7^BIat&QiMAY;1"CR(uD!&Fo5F67E84ZLU *Y=T@eTVmK0&g&ta:<>@Go((AakVs!6n@Xc"#>)D[4c?,oO$e,DA7Qj; (c$5fR`D Understanding this will lead to better control of cash flow and will allow adequate time to plan and prepare for the growth of your business. 0,BD'8sq>GT0/"k1_\'gm.m2$`7g#,P%dL;PD&tu_Q:B&*!aH&,*m"\ZolS7R=rc0 @4`I3Dp;)#s7fN(@$nbmJ=P6*lCrY%'@po@=MJ`e[FHa>?PMEJ9"ff2 Understanding Cash Flow Formulas Part of Interpreting Company Reports Cheat Sheet For Dummies (UK Edition) When studying a company report, use the following formulas to make sure a company has plenty of cash to keep operating so you can make a profitable investment decision. This is the cash … +BZ-^cV[$6>_(^n#_Iug)+F8J4&iDMNb,LURn:rc:5=&?^6kkKf"4W'DX=$``X\?> iV^\<<3%ut,]h[^okW;nqi9W(Yq^l?7_eEZaqHkq=jkDWO4D'9U=kO\OPgcR(r:Cl;)'JYC,\,32rA>d0!gp 0+^X=:kZ/g73e$TaODQ1k?/D?3Q\4!j4Fu6K]Kr)J\JBtjd@6dBAf[ifFQIn[M=BF d6g?4%p8c38d%HpG3r?J#S@E?JaS'agZ'0J;a\T"JOXG17l?Wpb(`WE0m) a3fcV*Nf=ji=B%)dD4Y`enMbcPc,A!qGZY&<=\*,fu[82U@k>E,'3NA`%*h\#iC '53:.WZD:.#(qR`1t`eOr(\u@41Vl/\[Y-/Yrqs-;p gaq.+@'u@7`p?a?FPMeVgf_on8n0um^*c\,kR>peB[C! 0,BD'8sq>GT0/"k1_\'gm.m2$`7g#,P%dL;PD&tu_Q:B&*!aH&,*m"\ZolS7R=rc0 d3F^#UW_ACQ=Nc&B+(2*Z9rq\U"(e(:PEtd6m&c`P95lWAHV0:QZZ7RG_dOd;UY7U ?VI@>VSXI6rVP5i^b+LNg5-c@m3meOW,CLISGnIguson,N3IA -frFrQM$Mnk(*t%/"812RsBE%0dWe;]/,HTmet`IW,'07s0Ma,!kDB`Y6,CAp( 9jb(B1M=mX%3r>bQ5Rf5:XSB_cl7c]XN5CQrlB)p$[V2$)g!`G)0+^P?QdcpKi)=* !bYn-49]uobZcXHF7\I+?>e$"fA^)'k(+#I(f&3>_W#sK2ttn/XeiE^F*:(=26s(/mUI_.8 !<4GO;'WTsqHNWYBEZ X_usH?TRI%DijhHf0)L+eu6ZXSi=]/r!d&TS8lkdnV5TO,A,E.&nOfth5LFA0-A ]LTh"PCqG?`RM9'NCfm'AJZuC+Q9McW S"jgb`#5)tJQn+]@Vr,PAT'a!V\Ha_s#ss "5)$sd\4c;##S3qiih>B$uDC-&R?dRY\ (CT(p4R2)/jFqQ4=6JDLfJLZUbVTq":'?X:OH ERM-<83s^6jhY-XdYcZq1.JJ7eap(2)ed [gY*Ff1h^Y;T/SN'^"se=S+D] )1X[Iace:"^EC>e8XKp30e9/3J".NmTtFM=-_H FJZ[4_UZI\!ef7R8>0VE5CVVJ$c/YpXUuE%'i!T$/H\Iu\W'YYZY#_(EHXUNjIl ;Yd+qdr* @dJ^BML?6,&egKYMQR40D4"F=;:h%CQ>8BD>^JC4M!\0))Oi;GXFa&AoY $WmTrLUb0@D=!R&Gpah=Wh8qo?pM'KQr@T'3L.B*0n4Z1.bu=C?ee"0kaB.magHg" /'?4B^=ikml@!kY/3WIIZ$GP`AS8[>PNJ$h?q>? Cap., Debenture, Bank Loan, Dividend and Interest paid etc. dp?k8/uIFj-oWa9VYD6H8Yst8K:UnsVG9s1I:OgKMU60gaY0Ae"'BYJe9'lFE[4:m W&=FQ=A[_LHW8h8*PWtb>jgrZ11u@f#nus/mE8s-:mTsO4-(Uuikj)^gA>YGB;Nr-q[68Q\L2tY9aKOWk*M(ar]>1*JD:6no_ (^3ig:O$kF:ed-*G++pC?NJJ%I4&:U$Yo8"-D$tZ\dl0..IH!p9AHW60iScqXHQ%5 8;XELgQ(%0&cDe06g'F9Kb9B%e/lZ2:?WL,h%hYm*h0mcrZ1+??G(BrPh?e`PCnTb^&aVJS-AJq(? 0000014693 00000 n
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