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What are the advantages and disadvantages for AMSC to forgo their debt financing and take on equity financing?

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What merchants accept the Wells Fargo Home Projects Visa credit card?

Wells Forgo does not list merchants who accept the Wells Forgo Home Projects Visa credit card. The merchant who issued it to you certainly accepts it, but Home Depot, Lowe's, and Walmart do not. To learn where you can use the card in your area, you should call the merchant you got the card from or stores in your area and ask.


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A person who saves money demonstrates financial discipline and foresight by setting aside a portion of their income for future needs or emergencies. This habit often involves budgeting, prioritizing expenses, and making conscious decisions to forgo immediate gratification in favor of long-term stability. Saving money can provide security and peace of mind, allowing individuals to achieve goals such as purchasing a home, funding education, or preparing for retirement. Ultimately, it reflects a commitment to responsible financial management.


You bought two new CDs with the last 30 in your checking account and your next payday is on Monday. What is the opportunity cost of these CDs?

The opportunity cost of buying the two new CDs with your last $30 is the alternative uses of that money, such as saving it for future expenses or using it to purchase necessities before your next payday. Additionally, it may limit your ability to cover any unexpected costs that arise before you receive your next paycheck. Essentially, the opportunity cost reflects the potential benefits you forgo by choosing to spend your money on the CDs instead of saving or using it elsewhere.


I am filing for chapter 7 bankruptcy and wondering if I also surrender the house in the proceeding will it affect my credit score worse than just including the credit cards. We may be able to sell.?

The best answer can only come from a licensed attorney specializing in bankruptcy law. However, as a credit and collections expert, regardless of how you default on the mortgage it is still going to hit your credit with the same amount of damage. The best option is to try to use the bankruptcy process to get a loan modification or attempt to get the lenders acceptance to forgo any foreclosure actions to attempt to sell or short-sell the property. Selling the house will not fix any late payment history for the loan, but will take the sting out of just walking away from the house.


The firm can reduce its cash conversion cycle by?

There are three parts to a firm's cash conversion cycle. The formula is: Inventory Days on Hand + Average Collection Period - Days Payable Outstanding = Cash Conversion Cycle Each part split up: Inventory Days on Hand = Inventory / Daily Cost of Goods Sold (COGS) Average Collection Period = Accounts Receivable / Daily Sales Days Payable Outstanding = Accounts Payable / Daily COGS If the first two parts are reduced by one day, the firm will free up the amount of cash equal to Daily Cost of Goods Sold and Daily Sales respectively. If the firm increases its Days Payable Oustanding by one day, it will free up the amount of cash equal to Daily COGS. In order to reduce the cash conversion cycle (increase current cash on hand) a firm can either decrease Inventory Days on Hand, decrease Average Collection Period or increase Days Payable Outstanding. By doing one, or a combination of these, a firm will increase the amount of cash on hand and may be able to use this to pay of current liabilities or use this cash for expenses, growth or dividend payments. How to decrease Inventory Days on Hand: - Implement a lean manufacturing process or somehow increase efficiency. Just-in-time inventory is the most efficient, but usually it is unrealistic for a firm not to have any inventory How to decrease Average Collection Period: - Find a way to collect payments from customers soon - Possibly award small discounts if customers pay sooner - Write letters or find a way to collect from customers sooner - may not want to damage customer relations, but if a customer isn't paying you may have to hiring a collection agency (last resort) - Get rid of any billing errors or inefficiencies How to increase Days Payable Outstanding: - Delay payments to suppliers - may have to forgo a discount These are just a few of the main actions a business can take to reduce its cash conversion cycle. It is important for a business to check here first if they need extra capital before turning to loans or selling equity.