Investing and Financing

Most of the businesses these days borrow money either in short terms or long terms basis. The majority of cash flow statements illustrate the increase and decrease of the earnings of the short term debt only. It does not report the total amount that either either borrowed or paid. On the other hand, when illustrating a long term debt, the total amount and the reimbursements of the long term debt must be indicated in the cash flow statement on a yearly basis. The figures on these cash flow statements are illustrated on gross not net figures.

Similar to businessmen, most of today's businesses must find a way to finance its acquisitions when the business' internal flow of cash is insufficient or is insufficient to provide financial support in order to for the business to grow. When we say financing, it usually means the funding of a business capital from debt and equity sources. And by borrowing money from financial institutions or banks, in order to loan money to the business, or by providing extra funds in the business. The tenure also includes the other side of the coin, meaning doing payments on the balance due and returning the principal to the owners. It also includes the monetary contributions by the company from the income to its owners.

In addition to that, another section of the statement of the monetary flow illustrates the ventures that the business has admitted during the annual report. New and additional ventures signify the growth of the production and distribution capacity of the business, as well as its improvements and improvements. Organizing long term assets or removing a key component of the business can create good or bad effects, depending on what is influencing the said actions.

Some companies will dispose some of its predetermined assets on a yearly basis upon reaching the limit of their usefulness because they will become more of a liability than an asset. These predetermined assets are either disposed or put on the market, or in most cases, traded for new predetermined assets. The assessment of the fixed assets or predetermined assets that is at the end of its usefulness is called the fixed assets' "salvage value". The profits of the fixed assets are accounted as a source of money in the "investing activities" segment of the statement of the business' monetary flow. The proceeds of these fixed assets are generally diminutive in quantity.

Feature Stories With Heart

Feature stories have heart. Feature stories have warmth. Most of all, feature stories force a writer / reporter to evaluate the human side of a community – beyond the facts, beyond the opinions – to find the spirit of the story.

I have always favored feature stories (or soft news) as a writer because it gives me the chance to get to know people on a higher level than straight news reporting (hard news) does. Beyond that, it also forces me to work as a reporter with feelings – yes, some reporters have actual feelings.

For the past few weeks, I've evaluated a variety of types of college feature stories in preparation for a workshop I'm presenting at the Associated Collegiate Press and College Media Advisers National College Media Convention. After sifting through stacks and stacks of archives of papers, I've come to the conclusion that college newspapers are much more active to seek out the feature elements than mainstream, professional newspapers.

My students (and former students) from The Montage, have compiled heartwarming stories of life and death, fun and frolics, and service and sacrifice. Here are a few examples:

"A Day in the Life of Mary Davis:" As a regular series, my students write personality profiles, covering students, faculty, staff, locals, etc. This particular story highlights an 86-year old student still eager to learn.

"Turning Lead into Gold:" This profile provides an in-depth look at a faculty member's passions.

"Inauguration Road:" Following a road trip to the White House for Barack Obama's engagement, two of my students compiled a piece about a 1st person account of the journey itself.

"What's Brewing in St. Louis:" Beer is a priority for many college students. Recognizing this, my students compiled an in-depth centerspread on St. Louis. Louis' beer culture, including a list of "things" to do with beer.

"The Vertical Expression of a Horizontal Desire:" Fun and frolics come in all shapes and sizes as detailed in this feature about the art of tango music.

This list of stories (found at http://www.meramecmontage.com ) includes a variety of subjects, topics, and angles. Primarily, though, these stories offer readers something "different," something soft – a much-needed break from the heart-wrenching news of reductions, murders, and swine flu statistics. Even more so, they offer reporters (whether student or professional) a chance to explore more than just the facts but rather the fun-loving spirit of life.

I could spend all day listing compelling, heart-warming and entertaining features that have been written by both students and professionals, but I'd rather open my eyes and seek the next big story that could possibly touch someone else's life and in return, touch mine.

Cost Efficiency and Performance Drives Organizations to Cloud Computing

In the past decade there have been various achievements for the IT world and amongst that Cloud Computing is a very important one. Cloud Computing has consistently evolved and has turned into an ultimate IT solution for any organizations computing needs.

With all the benefits that Cloud Computing offers to users the major ones being reduction in capital costs and improved efficiency it makes an organization very flexible. The USP of Cloud has always been cost savings for the organizations. It also brings the organizations load of looking after maintenance and support activities. In addition to that it also allows the users to shift focus to more important business activities thereby increasing productivity.

Even though there have been various issues with the cloud initially but now more and more businesses are moving to the cloud and making use of the latest in technology to give their businesses a competitive edge over others. SMB's also have embroidered the cloud given the cost advantages it provides to the company. And large organizations that adopt cloud computing usually do so as way to transfer their not so important aspects of business to the cloud resulting cost reduction for the company.

The Cloud is used in various ways:

Many people know cloud computing as a single solution. However, there are various ways to deploy a cloud solution based on an organizations requirements and budget. The Cloud is split into three delivery models viz. the Public Cloud, the Private Cloud and the Hybrid Cloud.

Many users adopt the Public Cloud model which is third party service often provided for a fee or rent for using the computing resources of the service provider. On the contrary, a Private Cloud is a set-up on the organization premises to be used exclusively by the business and partners only. It may be cost to deploy a private cloud but it has its own set of advantages as well including increased security and controlled access to data. A Hybrid Cloud on the other hand is combining the public and the private cloud. It makes possible use of both the cloud environments by shifting the work according to the needs.

With competition intensifying day by day it is necessary for businesses to switch to more modern and flexible IT solutions like Cloud Computing and reduce their dependence on traditional systems. However, it is also necessary to make a proper analysis of all the three models of Cloud computing before choosing anyone for the organization.

The Cloud is a very useful IT solution and businesses need to assess their requirements properly to deploy the correct model and make use of this highly efficient technology and boost their productivity.

Do It Yourself Home Improvement

Many of us are participating in the home improvement thing today. There are a number of great benefits to be derived from doing your own home improvement. We can save money of course. We can also design our own projects so that they typically satisfy our needs and add the personal touch exactly as we envision it.

A number of software packages are available to produce a 3D home design and show us the results before we ever spend a penny on materials. This new home design software has not only become much easier to use, while becoming much more sophisticated in what it can produce, it has also become wider ranging.

Packages are now available that target specific home projects. You will find that these products allow you to fully design a new deck, complete a new landscape design outside, modify your house interior design, or the big one will let you design a new house from start to finish.

The computer and software are great but more help is available today. The big box home improvement stores have come a long way since the original Lowes concept. These big box stores maintain a complete inventory covering every imaginable product you may require in your project. The also carry a large educated staff that is most often quite willing to offer you assistance. That is good but they also appear to be well founded in the knowledge required to provide you with assistance.

If that is not good enough, the big box home improvement stores also conduct routine seminars to educate you regarding specific products. All this assistance comes at no cost to the customer. The intention is to encourage and help you to complete your own home improvement.

Not only will these projects save you money but they will also increase the value of your home. It is quite practical for the average handyman to purchase a fix it up house, do some small improvements itself and then resell the house at a profit.

A wide range of near professional quality tools is available at your home improvement stores. Competition in the marketplace has been beneficial to the consumer. You can now purchase excellent quality tools to complete any phase of the job from preparation of raw, rough lumber to spray painting the completed project. All this is available at very competitive pricing.

One final benefit to this whole experience may be the chance to work together with the rest of your family. It will never be lost time when you pass on some of your knowledge and abilities to children and grand children. A world of opportunity is available.