Standards For Elegant Programs In Business Debts

Residual claim: Residual claims are also known as equity claims. Indicated dividend: The dividend paid on the share of stock over the period of a year provided the dividend amount is the same as the previous payment or the most recent dividend payment. gap is the acronym for Generally Accepted Accounting Principles, which is an accepted set of accounting procedures, policies, and rules. Business administration: The term business administration refers to the universal process for the management of business operations and making or implementing of major decisions. It seeks to determine the strengths and weaknesses of the competitors within one’s market, to develop strategies that will provide the business a distinct advantage, help develop the barriers in order to prevent competition from entering one’s market, and locate any weaknesses that can be exploited within its product development cycle. While one can always blame the recent economic crisis for this condition, often times, it is the poor money management techniques of people which drives them into a lifetime of debt. Take for example piano tuning services. Pit committee: The daily settlement price of futures contracts is determined by a committee of the stock exchange known as the pit committee.

This article puts light on some essential aspects of the business liquidation process… Restricted assets are those whose use or working is restricted by law. Incorporated is a type of business entity that has been allowed to operate as a corporation by the approval of the state government. Businesses like catering, day care, and wedding planning are good options. Debt coverage ratio is the comparison between the net income of an investment and the amount required to service the debt. Market capitalization is the total value of the issued shares in the market. Non-cumulative preferred stock: The preferred shares where there is no accrual for the unpaid dividend payments. It can also be defined as the application of an invention, resulting from studies and experimentation for the creation of something new. Initially, one has to gather information on the kind of grants available pertaining to a business. The principal and interest payments of these mortgage securities differ from the conventional pass-through securities that are not guaranteed by governmental agencies. Usage variance is the difference between the budgeted and actual use of materials. Such a risk is one that can be eliminated, to a certain extent, through diversification.

——————————————————————————– Oleg Bagrin, Novolipetsk Steel PAO – CEO [67] ——————————————————————————– Look, as we mentioned, we have sort of three main sort of dimensions in terms of the cash use, one is deleveraging, which we discussed at length. We are not guiding for any major deleveraging from those levels. Then, there is CapEx. We’re not planning anything major for the next couple of years over the projects I mentioned, but then we have a next strategy lag which we’re now sort of gearing towards and then there is a dividend policy with an already generous payout of 50% and then as we demonstrated, we can pay more. We pay 65%, nothing stops us from paying more than 65%. So, we have a lot of flexibility business debt counseling across these three dimensions which we will balance together to maintain the investment grade and also to make significant returns to our shareholders. ——————————————————————————– Mikhail Priklonsky, Credit Suisse – Analyst [68] ——————————————————————————– Great. Thank you very much.

For the original version including any supplementary images or video, visit Edited Transcript of NLMK.MZ earnings conference call or presentation 17-May-16 2:00pm GMT – Yahoo Finance

Considering Swift Tactics For Business Debts


Or Do Anything Besides Keep The Terms Of Your Loan.

You.an get a better rate than that of your old mortgage. Personal loans can be discharged in a bankruptcy. A business debt consolidation is just one way American fiasco helps business stay in business. One approach to consider consolidating is your business debt. It is possible to consolidate business accounts, though most policies banks have in this area favour consumer debts. Consolidating your debt is also a good way to bring your debts under control so you can start to pay them off in an organized manner. We save for months to have pizza or a family outing. Our debt settlement plans are available to anyone who qualifies. An example is the Biblical Jubilee year, described in the Book of Leviticus . This is the new way of the credit score. If you leave those accounts open and do not use them or seldomly use them then quickly pay it off it will only increase your credit.

France is probably around 15%/20% down in absolute value, while Spain, if you look to the domestic market, we do a lot to export out of Spain as well, is probably more down, like 40%, 35%/40%. ——————————————————————————– Ben Maslen, Morgan Stanley – Analyst [55] ——————————————————————————– Got it. Thank you very much. ——————————————————————————– Johan Wettergren, Carnegie Investment Bank AB – Moderator [56] ——————————————————————————– One more question from the conference and then we jump back to the venue in Stockholm. Okay? Operator?

http://finance.yahoo.com/news/edited-transcript-assa-st-earnings-133602549.html

We’ll Talk More About What We Do – And What We’ve Done To Become A Leader In Our Industry – In A Moment.

This can be done with a business debt collection small business consolidation loan. But you do want to be careful about applying for loans with multiple lenders as the inquiries can impact your scores. And yes, consolidation can hurt your credit. Unsecured loans, or those that do not require any property to be put up as collateral, may be obtained only for small debts. To help you save up for your eventual pay-off, we offer an FDIC-insured trust account into which you may make monthly deposits. Dealing with one buyer is usually easier than selling off assets, and a sale may free you from future obligations, once you have repaid your creditors. It is not unusual for a business to find itself in debt and owing to multiple creditors. The counsellor’s goal is to increase revenue by determining the problem areas that are adding to a business’s debt and – if necessary – by reallocating funds to the business’s various departments more efficiently. In these cases, a small business owner has two ways to deal with debt: try to save the business while attempting to settle outstanding accounts, or allow the business to fail, but with an exit strategy that minimizes the financial consequences. National Debt Relief Awards, Recognition and Accreditation At National Debt Relief, we think our results speak for themselves. When you have many bills to pay, a bill consolidation can really help simplify your monthly expenses.

An Intro To Speedy Products In Commercial Lenders

”With both Lending Club and OnDeck, I see it as a sort of Christmas miracle for small businesses. Unlike traditional financing options, we’re able to offer a business loan or merchant cash advance to those who have poor credit. OnDeck Capital is currently in its quiet period before going public and declined to be interviewed for this story. We are an “SBA National Preferred Lender,” which means we can underwrite and close loans on behalf of the SBA anywhere in the USA; we’re able to complete your loan faster because of it. Whether it’s an SBA 7a or SBA 504 loan, they can have great advantages over conventional loans, including: Long repayment terms. I’ve always had great customer service with you and I really appreciate that! View our 2014 Annual Report. Here’s what they’re saying: “My low interest business loans friends and I started Waterfront Wines about a year and a half ago. Small Business Administration SBA backed loan from Wells Fargo may be the solution you’re looking for.

We can provide funds to a large variety of business types including restaurant loans, bar and nightclub loans, medical business financing, and more! SBA loans cannot be made to a small business if the borrower has access to other financing that offers reasonable terms. Increases in small business lending are widespread across self participants, with 97.8 percent of participants having increased their small business lending over baseline levels. The U.S. I’ve always had great customer service with you and I really appreciate that! Brown, comprised of representatives from business, industry and government sectors throughout the Middle Georgia Region.   In general the loans tend to have higher interest rates, and the payback period tends to be quicker,” Stibel says. Business Lenders, a leading originator of SBA loans, now provides third-party specialized loan servicing for SBA 7a and 504 loans. To keep the loans flowing, Celtic Bank has built an on-line application into its website. Newtek Business Services has been in business for over thirteen years, servicing over 100,000 business accounts in all 50 states. However, larger loans can be hundreds of thousands of dollars or more. This trend has created an opening for scrappy smaller players, including Salt Lake City, Utah–based Celtic Bank, which is lending across the country.

Simple Information On Critical Criteria In Business Debts

Non-cumulative Preferred Stock: The Preferred Stocks Where There Is No Accrual For The Unpaid Dividend Payments.

Legal rate of interest: The state law usually sets up the maximum interest that can be charged on loans. Adverse possession: A real estate terminology, adverse possession is used to denote the process by which the title to a property is acquired without compensation. Global Fund is a type of mutual fund where the fund company can invest in companies located anywhere in the world GMROI is refinance business debt the acronym for Gross Margin Return on Investment. FIFO is the acronym for First In First Out. You can consider an extended payment period, if the debtor agrees to make the payment by that time. Agency pass-throughs: Agency pass-through is a type of pass-through security guaranteed by a governmental agency such as the Government National Mortgage Association. Stagflation: An economic situation of slow growth and relatively high unemployment accompanied by a rise in prices, or inflation. Normal portfolio: Normal portfolio is a benchmark portfolio which is tailored made by the securities chosen and weighted by a manager. Impairment of value is the permanent loss of value of an asset. Inventory transfer is a process that physically tracks the transfer of inventory from one place to another. Gearing ratio is the ratio that measures the percentage of the total capital employed financed by long term debt. Doubtful debt is a debt owed to the business the recovery of which, is not certain.


economy, has rebounded well, and is at or near the 30-year average, Wagner said. The strong dollar, however, has slowed growth of U.S. exports, and lower energy prices, while good for consumers, are bad for businesses in the energy sector and investments in energy, he said. The total debt burden for U.S. households peaked at $12.7 trillion in the first quarter of 2008 and then fell until the third quarter of 2013 when it picked up, Wagner said, noting student loan debt, the second largest category of household debt mortgages are No. 1 has increased by more than 300 percent.

http://www.montgomerynews.com/articles/2016/04/27/ambler_gazette/news/doc571fd3ba5ef82755176568.txt

An Update On Painless Products For Business Debt

Personal Debt While Running A Business Starting A Business Is A Tough Task, But It’s Easier When You’re On Stable Ground Financially.

Is it necessary to pursue legal action to collect what you are owed? Offering Your Property as Collateral Banks typically require the owners of small corporations or lacs to put up their house or other real estate as security for a loan. Before you sue, threaten to sue. Understand that you will not receive the full debt and will likely receive about 50% of what the agency can get from the debtor or whatever percentage you and the agency agree on. Plus, the nice thing is you don’t have to hire an attorney. In general, whether you are personally liable for your business debts depends on: the structure of your business such as a sole proprietorship, partnership, limited liability company, or corporation, and whether you cosigned or personally guaranteed the debt. If your business doesn’t own many assets, you may have had to pledge some of your personal assets as collateral in exchange for getting a business loan. This is a more complex process, and while a lawyer is not required, you need a lawyer to be credible. They are essentially creations of the state legislatures, although some commentators trace the origin of the LLB to a 19th century form of business organization called the partnership association, or limited partnership association. If, under audit, the IRS does not allow your deduction and the debt becomes partly worthless in a later tax year, you can deduct the amount you charge off in that year plus the disallowed amount charged-off in the earlier year.

While that is certainly a possibility, there are some issues that aren’t completely addressed that could bring business debt advice the company’s payout into question. One of them is the fact that most of the assets Summit acquired are natural gas gathering pipelines. Although 98% of its pipes use fixed-fee contracts, we have seen that gathering pipes can be some of the most exposed assets to volume declines from slowing production across the U.S. Another aspect to consider is that much of the payment for these assets — $800 million to $900 million — is being deferred until 2020. While the current structure looks strong and will allow the company some breathing room to build up cash and lower debt, there is a big question mark as to what its finances will look like when the bill for these assets come due. When looking for a high-yield investment, it’s never a good thing when there are questions about the company’s financial future. While it’s entirely possible that it can pull it off, Summit, like GasLog Partners, needs a lot of things to go its way in the coming years.

http://www.foxbusiness.com/markets/2016/04/23/3-dividend-stocks-that-are-yield-traps.html

You Can Use The Nonaccrual-experience Method Only For Amounts Earned By Performing Services.

The FDCPA defines “debt collectors” as “any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debt … asserted to be owed or due another.” They are subject to the capital loss limitation, which means you cannot deduct more than $3,000 per year. What are the chances of this? That said, this concern lessens as the states develop a reliable body of law concerning lacs, and is no issue at all for very small companies. Don’t operate a partnership without a written partnership agreement. However, some business owners — especially those who own service businesses with few assets — may be able to keep their businesses open during Chapter 7. In certain situations, you can take a tax deduction when the debt isn’t repaid. Report your small business’ bad debts to the Better Business Office as well as the credit reporting agencies.


Simple Answers On Real-world Business Lenders Tactics

The only real advantage of a hard money loan is that hard money lenders will work with businesses that have little collateral or income – such as start-ups. Small Business Administration is a federal agency committed to furthering the growth and development of small businesses. We won’t waste your time. After twenty years of investing in both winners and losers, he click this link now has developed an evaluation methodology to help him select the businesses with the highest probability to be profitable and succeed long-term. Click on the map to see which participating banks are located near you. 1 Lending growth reported by former participants in the final quarter of participation is held constant through subsequent periods Last Updated: 10/20/2015 7:49 AM Babbage helps small businesses get the funding they need to grow. This type of hard money lender will not loan money unless the borrower has an asset, such as a home, that can be repossessed in the event of non-payment. They are looking for great business ideas, at the right time, with an airtight business plan, that includes contingency scenarios and realistic forecasts, backed by experienced and professional people with some financial stake in the business. This type of hard money lender will usually take between 30 percent and 45 percent of all credit card sales until the loan is paid off. It was just a matter of being persistent until the right deal came along, he says.

His experience and direction led the company to a 172% revenue growth surge over the past three years. Bob was instrumental in putting together two major financing facilities totaling $150 million, which gave us the capital to allow us to grow so fast.” Continue reading National Funding CFO Bob Sweeney Wins CFO of the Year As National Funding’s CFO, Sweeney is responsible for all accounting and financial matters of the company. Reporting directly to CEO Dave Gilbert, Sweeney oversees the capital structure of National Funding, determining the best mix of debt, equity and internal financing. As a member of the executive team, he plays a key role in the company’s economic forecasting in order to ensure National Funding’s solid financial foundation. “I’m honored to receive this award from the San Diego Business Journal,” said Sweeney. “Since joining National Funding in 2013, I’ve watched the company grow in all areas and am thankful for such a dedicated, talented executive team.” Sweeney has nearly 30 years of financial management experience. He has served as both CFO and controller executive team leader, as well as in global analyst positions for large and small companies, both public and private. Some of the companies he has held financial positions with are Citicorp Equipment Finance, Sequa Capital Corp., Rockford Industries/ American Express Business Finance to name a few. Sweeney received his B.B.A.

http://www.prnewswire.com/news-releases/bob-sweeney-wins-cfo-of-the-year-award-300242730.html

Having originated and serviced well over $3 billion in small business loans, we appreciate the challenges facing small business owners and deliver fast credit decisions with streamlined application, approval, and closing processes. You consistently reinforce why I will only do business with Newtek! This slide show highlights data points from a table on the small-business lending of large lending institutions those with total domestic assets of more than $10 billion within the SBA’s most recent report.   |   Learn More » We understand business plans in specialized industries “Babbage uses accounting data and other metrics to approve… advances on-line in a few minutes.” “… stepped in to satisfy demand from… merchants who need to pay upfront for inventory” “America’s Most Promising Companies — The Top 100 Of 2014. For more on the banks leading in lending under the SBA’s 504 program—loans for fixed assets, including real estate and equipment—consult the charts on the following page. Our loans offer higher Loan to Value than traditional loan products. Relationship-based ads and on-line behavioural advertising help us do that. “It does allow us to recycle those dollars back out,” said Eric Petersen, executive vice president of corporate development at Celtic Bank. Look around at different sites, some may charge a one-time fee to list your business, while others are free to list but might have fees reflected in loan rates. You really are the reason folks like me stay with your company.

An Analysis Of Recognising Crucial Criteria Of Commercial Debt

Incorporated Is A Type Of Business Entity That Has Been Allowed To Operate As A Corporation By The Approval Of The State Government.

Asset valuation is the process by which the value of an asset or an asset portfolio is determined. The most commonly used collaterals are the company’s operating assets such as investments and accounts receivable. Ensure that you carry out all debt negotiation transactions and communication in writing. Share premium is the additional price paid for purchasing the stock, over and above the par value of the share at the time of issue. Underwriting is to protect by insuring and to guarantee financial support. In case, the applicant has just started his business not completed two years, there is a possibility that he may get a minimum credit line. When you plan for starting and running any kind of business, along with the profit making strategies, you also need to think about what is to be done, if the business unfortunately goes into a substantial loss and there arises a need for dissolution. Global bond is a bond, which can be traded outside the country of its issue.

Some threaten to put a lien on the debtor’s house (they can in many cases) or even take your Social Security (they can’t). If you ignore them long enough, usually from 6 months to 2 years, they will file foreclosure, though they’ll often agree to renegotiate terms because they’d still walk away with much more than in a foreclosure. In some cases, especially if the time share is in a desirable location, you can sign a warranty deed and give the unit back to the owner if you pay all related fees. You could be sued, too Other times, the owner simply gets sued. If you’re sued, don’t roll over. File an answer to the complaint so the collectors won’t be awarded a default judgment. This will start a lengthy process of hearings and give you time to execute a renegotiation or exit strategy. A personal bankruptcy would wipe the slate clean, but that’s a very high price to pay.

http://www.bankrate.com/finance/real-estate/debt-collector-demands-huge-fees-on-past-due-time-share.aspx

Depreciated Historical Costs = Cost Of Their Acquisition + Enhancement – Reduced Depreciation Till That Date.

This debt repayment is done on the basis of priority with considering several factors. Many a time, there can be alternatives to dissolution; such as taking out a loan, adopting a new product strategy, selling shares, and similar others. It is calculated by Asset Turnover Ratio = Total Revenue / Average Assets. Inflation adjustment is to adjust the figure on an amount for increase or decrease in inflation. Recording principle in accounting governs the time of recording a particular entry. Conservatism principle of accounting says that the estimates of the company should be conservative and not understated or overstated. Thus, you can calculate the it by Salary take home + interest on investments + rent earned by properties if any + money earned on sale of investments/shares + other sources of income = Total Income Usually the total income is calculated for a period of a year 12 months, hence we divide this amount by 12 to get the monthly income = Total Income / 12 ………………..I Debt is the money that you owe on account of loans, credit cards, etc. Often though, bankruptcy is seen as the last and only choice. Interim audit is an audit that is conducted at some time during the year.


Ideas For Consideration Of Sensible Solutions For Business Debts

However, most of its patent rights are expected to expire over the next 13 months, thus increasing risks for the company. In addition, most of its recently acquired business is making losses, which clearly makes the buyout a poor business decision. Moreover, j2 Global has kept the terms and conditions of the acquisition deal under wraps which has created quite a lot of uncertainty among investors. Furthermore, j2 Global lacks an international expansion strategy and also failed to boost cloud services customer base or average revenue per user (ARPU) growth. As per the report, j2 Globals acquisition goal has accumulated nearly $600 million debt over the last five years with $245 million of negative cash flow. Meanwhile, j2 Global continues to pay regular dividends, keeping its investors in the dark regarding its business conditions. The company has increased its dividend payouts for eighteen successive quarters over the last 15 years apart from bumping up its share repurchase plan.

http://finance.yahoo.com/news/j2-global-citron-report-attacks-193507427.html


Money Center Banks: Large Financial Organizations And Banks Which Borrow From And Lend To Other Banks, Corporations And Governmental Organizations Rather Than Consumers.

Yield curve: By definition, a line that plots the interest rates, of bonds having equal credit quality, but differing maturity dates at a set point of time. Management accounting deals with the entire spectrum of collection, recording, examining, and managing the financial activities of the company by the management. It may be manual as well as computerized. Unsecured debt is one where the borrower provides no collateral against the debt to the lender. Interest Coverage Ratio = Net Interest Expense / bit Interest earning is the total interest received by the company on various investments. Business bankruptcy: The legally declared inability or impairment of a business to pay off its creditors and the business debts is known as business bankruptcy. Hidden assets are any value generating assets in the business that are not included in the balance sheet of the company. Valuation date is the date on which the valuation is made.

Equity To Asset Ratio Gives The Amount Of Assets That Are Financed By The Shareholders’ Equity Capital.

Security deposit initial: The initial security deposit ca also be called margin. Pledged revenue is that part of the revenue that has to be obligatorily used to service a debt. Organization cost is the expenses incurred to begin a business entity. Zero-balance account: A zero balance checking account in which the balance is maintained by transferring funds from a master account in an amount only large enough to cover check presented. The continuity assumption in accounting states that the accounting for the business should be done, assuming that the business will have an unlimited life span. Home loan: Home loan or an home equity loan is a loan secured by a primary residence. Document Reconciliation is the synchronization and verification of all the documents. On that note, read the article below on debt financing Cs. equity financing. However, it’s up to the owner of the business to decide where his preferences lie. A special form of incorporated business entity in the United States and is governed by a debt consolidation commercial certain set of rules and is allowed to avoid payment of corporate taxes. Forecast is an estimate or prediction regarding the business results.

Basic Answers On Crucial Details For Business Lender

They rarely pay a referral fee and expect brokereds to earn a fee outside escrow. The borrower is informed of the broker’s limitation with respect to procuring a commercial loan at the best rate of interest, since this is contingent on the borrower’s credit score, credit history, marketability of the mortgage title, and the authenticity of the documents handed over to the broker by the borrower. This agreement also ensures that he does not lose his/her share of the commission, if the borrower fails to appear at the closing, despite the lender agreeing to close escrow. Considering that the borrower pays points for procuring the loan at a favourable rate of interest, it’s only fair that the broker’s commission should not be influenced by the decision of the former. However, inexperienced brokers, who are not equipped with a commercial broker fee agreement, may find themselves in the situation of having to sue the borrower for unpaid brokerage. It also contains the non-circumvention clause that prevents the borrower from circumventing the broker, and applying directly to the lender who has accepted the broker’s loan application for the same. Provision for the arbitration of disputes and other borrower covenants constitute an important part of this agreement. Commercial Mortgage Broker Fee Agreement Real estate that is used for business purposes can be purchased by availing a commercial mortgage loan. Part of the reason why they are forced to have this agreement is because most lenders read small banks are not broker friendly. He is also entitled to a commission, that is calculated as a percentage of the loan amount, irrespective of the closing costs or points paid to the lending institution.

A commercial broker fee agreement contains details regarding proposed financing, compensation that is due to the broker, and the fee charged by the lender. It also contains the non-circumvention clause that prevents the borrower from circumventing the broker, and applying directly to the lender who has accepted the broker’s loan application for the same. The broker is entitled to verify the borrower’s credit score, credit history, business income, assets, and other documents as deemed necessary. He is also entitled to a commission, that is calculated as a percentage of the loan amount, irrespective of the closing costs or points paid to the lending institution. It is evident that the fee agreement needs to be detailed and plug all the loopholes that may allow the borrower to evade brokerage. It would be prudent to consult an attorney, who is knowledgeable about commercial mortgage transactions for further details. They rarely pay a referral fee and expect brokers to earn a fee outside escrow. Provision for the arbitration of disputes and other borrower covenants constitute an important part of this agreement. Although, he is allowed to work with other co-brokers and share the commission as deemed appropriate, he cannot evade brokerage by working with a co-broker or with the lender who has accepted the broker’s loan application. The broker spends hours putting together a deal that is not closed, and to top it all, he/she does not get paid for the work that is done.

The Best Routes For Level-headed Strategies For Commercial Debts

Debt Is An Expense And You Have To Pay Expenses On A Regular Schedule.

Using.redit.ards or Personal Loans to Fund the Business You may have used credit cards or home equity loans to obtain funds for your business, which definitely means you are personally liable for those debts. They are then entitled to a share of the business’s profits over time. It is possible, however, to obtain approval anyway by meeting certain criteria. International Third World debt has reached the scale that many economists are convinced that debt cancellation is the only way to restore global equity in relations with the developing nations . citation needed Bonds are debt securities, traceable on a bond market . For information on the sale of an asset, see Publication 544. Read on to find out how to avoid bad debts, manage overdue payments and collect debts. Which Funding Method Should I Choose? You will need the dates and times of your calls, letters and any other communication about the late payment, in case of legal action. So for this business, the current ratio gives a clean bill of health. Once you pay the loan back, your relationship with the financier ends. Another tactic that has served him well is to maintain a “cash-only” policy with his customers. Chapter 7 personal bankruptcy eliminates any personally guaranteed business debts.

This Excess Of Debt, Equivalent To Excessive Expectations On Future Returns, Accompanied Asset Bubbles On The Stock Markets.

Investors generally consider a business’ debt ratio an indication of the stability of the business and whether its stock is a suitable investment. A business debt consolidation is a much better alternative than dealing with courts and possibly spending more money in filing for bankruptcy. An early assessment and sound commercial judgement often results in a successful turnaround and recovery, however, whether the solution is refinancing, restructure or insolvency, we will help you untangle the complex insolvency legislation and guide you to the solution that is appropriate for you and your company. Understand the value of branding and what makes good brands great. Many managers and business owners hold off on seeking help longer than they should, because they fear loosing control of their finances or appearing week to the competition. The counsellor then negotiates with individual creditors to try to settle a company’s debts for a reasonable sum. WhileFleming is quick to point out the benefits of choosing an SBA-guaranteed loan to fund small business ventures, small business owners should know that if they choose to go the debt financing route, they’ll have many more options than just traditional bank loans. King also pointed out another disadvantage of using debt to fund a business: Debt has to be repaid every month, regardless of how well a business is doing. Other reasons, however, such as poor management, may indicate a situation with which lenders will not want to be involved. This ratio helps to assess the speed of changes in government indebtedness and the size of the debt due. Plus, having cash saved retained earnings allows you to become your own line of credit. 3.