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Escrow Explained

Escrow ExplainedEscrows Explained

An escrow is a type of arrangement where a third party (typically independent and entrusted) receives and subsequently disburses finances or legal documents to two or more underlying parties aligned with the escrow. The escrow contains contractual provisions, which will state that the third party must deliver the funds or documents at a specified time.
An escrow account is typically established to hold separate funds for the purpose of paying primary bills, such as property taxes, an individual’s homeowner’s insurance, or an insurance premium. The third party, who holds the funds, will subsequently deposit the individual or entity’s funds into the escrow and then use that money to pay monthly bills when they are due. The escrow thus, effectively eliminates the probability of late payments or any issues where additional cash is needed.
The holder of the escrow, will take the annual amounts for the aforementioned bills, divide them by 12, and subsequently establish the payment amount that is then added to the individual’s monthly principal and interest payment. For example, if an individual’s homeowner’s insurance annual premium is $500, their monthly payments are roughly $41. When the bill is due, the holder of the funds will be made available since the money is already placed in the escrow account.
The individual will receive an escrow statement which will explain how the monthly escrow portion of the payment was calculated. Additionally, the escrow statement will estimate the annual expected costs of the individual’s bills. The escrow statement is received annually. 
Types of Escrow Accounts:
An escrow generally refers to the funds held by the third-party on behalf of the individual placing the monies in the account. In the United States, an escrow account is best known in the context of real estate; escrows are typically aligned with mortgage payments. In this relationship, a mortgage company will establish an escrow account to deliver funds to the underlying individual to pay property taxes and the insurance policy aligned with the particular mortgage agreement.
Escrow companies are also used in the transfer of valuable assets such as property, both in the real and intellectual sense. As is common with a traditional escrow account, an Internet escrow functions when an individual places money in the control of a licensed and independent third party to help protect the buyer and seller in a specific transaction.
A banking escrow is commonly used in automated teller machines and other forms of vending equipment. In a traditional sense, an ATM is a type of escrow, where a tangible machine holds an individual’s money and is dispersed to the holder when he or she successfully enters the PIN.
Escrow can also be evaluated in a judicial context. These escrow funds are commonly used to distribute funds from a cash settlement in a class action suit or an environmental enforcement action.
How the Escrow Works:
The escrow is established when the buyer and seller agree to the terms outlined in the escrow agreement. The contractual agreement must establish a description of the merchandise being exchanged, the sale price, the shipping information of the funds and the number of days listed for the buyer’s inspection.
Once the contract is agreed upon, the buyer must submit an available payment option to the escrow holder. When payment is verified, the seller is then authorized to ship the merchandise and submit tracking information to ensure that the buyer will receive the shipment.
The buyer will then establish a number of days for inspection or review and institute an option to accept or reject the delivered merchandise. The escrow will then pay the seller by the method selected and where transaction will be affirmed.

Understanding Finance Calculators

Understanding Finance CalculatorsWhat is a Finance Calculator?

A finance calculator is a common resource made available by all lending institutions, banks, or financial companies. The term “financial calculator” is a broad term used to describe all devices that will evaluate and forecast the fundamentals and pertinent numbers aligned with a loan agreement, an individual’s particular finances, or a number of other financial agreements.
A financial calculator is offered to the general public to streamline an individual or entity’s financial state; the financial calculator will organize an individual’s payments as they coordinate to a specific financing plan or loan obligation.
Benefits of a Finance Calculator
Although a finance calculator can be used for an assortment of financial matters, the most common types of the device are used to organize and elucidate upon an individual’s mortgage, their refinancing plan (if applicable) or the monthly payments of a particular loan.

A finance calculator is a vital resource for many individuals (particularly those who take-out loans) because the device enables an individual to determine the monthly payments on a loan, as well as how each payment affects the principal and the interest portion of the particular loan.
Additionally, a finance calculator will evaluate the expected maturity date of the loan; such a feature enables the individual to appropriately balance their budget as it pertain to their loan obligation. Although these benefits could be realized through a manual approach, the finance calculator streamlines the delivery of such information.
In addition to borrowers, a finance calculator is also utilized by lenders of various industries. For instance, mortgage loan officers and other lending professionals who are responsible for approving or establishing loan offers will use a finance calculator to evaluate the prospective borrower’s ability to repay the loan.
To evaluate a borrower’s ability to repay a loan contract, the lender will enter the specifics of the loan (the maturity date, the attached interest, the amount financed, and the expected monthly payments) against the individual’s monthly income, expenses, occupation and their credit history. When this information is submitted into a finance calculator, the device will organize the individual’s expected ability to meet the loan obligations as it pertains to the prospective borrower’s monthly income and expenditures.
The finance calculator is a simple, yet highly-beneficial tool. Although there are a number of finance calculators, the typical device will ask for the specifics of the individual’s loan agreement (interest rate, term, amount financed etc.), and their monthly income. This basic information may fluctuate based on the type of finance calculator being used; however, these two categories are the primary inputs necessary for a finance calculator.

Common Types of Finance Calculators
•    Car loan finance calculator
•    Mortgage Calculator
•    Refinancing Calculator
•    Basic Loan Calculator

•    Credit Cards and Debt Management Calculator

•    Investment Calculators

•    Retirement Savings and Planning Calculators

•    Personal Finance Calculators

•    Insurance Calculators

•    Savings Calculators

What Are The Sources of Finance

What Are The Sources of FinanceWhat is financing?

Financing refers to an avenue of credit or funds that are delivered to an individual or business owner to help fulfill various expenditures, loan obligations, or to pay for products and services needed to distribute a specific business model.
Many entrepreneurs, who are attempting to start a small business, will struggle with obtaining the capital needed to start a new business. Financing is the foundation for the small business; without the obtainment of capital, the business would fail in acquiring the funding necessary to implement its respective business model. That being said, there are numerous sources of finance that can be obtained to get a small business off the ground.
Financing is a type of loan; with all types of loans the applicant must meet the qualifications supplied by the underlying lending institution. As a result of this, the applicant must possess a good credit score, an ability to prove that the small business will earn a profit and a full list of all expenditures that the loan or credit line will be used towards.
What are the Sources of Finance?
Personal Savings: Although this is not a source of finance in theory, all experts will agree that the most efficient and best form of capital comes from an individual’s personal savings. Personal savings is highly liquid, does not require the fulfillment of a loan obligation, nor does it require the transfer of equity or ownership. Additionally, personal savings will demonstrate to prospective investors that the individual is willing to risk his own funds, does not possess exorbitant liabilities or a large exposure to credit, making his or her company stable even in tough economic times.
Borrowing money from friends and family: The second easiest source of finance comes from those closest to the entrepreneur. Borrowing money from friends or family will not require the delivery of paperwork (loan application) that a bank or lending institution mandates, nor will the loan be attached with predatory interest rates (for the most part). Additionally, the lenders will typically not require a decision-making process or partial ownership. That being said, a fundamental disadvantage to this source of finance is that if the business fails and the money is lost, the underlying relationship may be strained.
Credit Cards: The entrepreneur’s personal credit cards are an easy source of finance that can be used for smaller expenditures, such as the obtainment of relatively inexpensive business equipment. Although these items can be obtained with minor expenses, the main disadvantage tied-into this source of finance stems from the high interest rates that credit card companies will typically charge.
Banks:Financial institutions are the most common sources of finance. That being said, the typical bank—due to the credit crunch and the state of the modern economy—are conservative lenders. The majority of prospective business owners must understand that banks rarely make loans to start-ups unless there are outside assets pledged against the borrowing to make the loan secure.
Venture Investors: This source of finance is a major credit stream for small business owners. That being said, all venture investors will insist on retaining partial ownership of the new business that they are funding.
A formal institutional venture fund will be established as a limited partnership, where passive limited partners, will supply the majority of the funding.
Corporate venture funds are established corporations who provide capital to new ventures whom they deem as worthwhile investment types. Additionally, these venture companies will provide management and technical expertise to the small business. The downside to this source of finance is that the corporation venture will seek to gain control of the business and the delivery of the funds is often delayed.
The last type of venture investor is an angel investor, who is successful entrepreneurs themselves. The money is awarded in the form of investment where the angel investor will act as a business adviser to ensure that their investment is handled appropriately. Angel investors make smaller investments than the other forms of venture capitalists and possess fewer contracts in the baking community.
Government Grants and Programs: Numerous national and regional government programs will offer loans or grants to encourage the formation of small businesses. The Small Business Administration is the government agency who will guarantee these loans, which are made by private lenders, to individuals who would otherwise not qualify for a commercial loan.

Boiler Room Defined

Boiler Room Defined

What is a Boiler Room?

Within the realm of investment and finance, a Boiler Room is a colloquialism given to investment endeavors that are deemed to operate in unlawful, unethical, and illegal manners. The term ‘Bucket Shop’ – which is classified as a type of Boiler Room – is defined as an investment firm or brokerage that conducts unlawful and illegal financial activity identifiable as securities fraud. While there does not exist a uniform procedure with regard to the process of a Boiler Room’s operation, standard Boiler Rooms retain similar qualities, which allow for their identification and potential criminal investigation:

Secrecy

Typically, a Boiler Room will operate in a clandestine manner, which contributes to the masking of nature of its true purpose and structure; while many legitimate businesses operate from recognizable, observable, and stabilized locations, a Boiler Room may operate from a temporary facility absent of contact information disbursed to clients or other individuals unaffiliated with its operation. Furthermore, the temporary nature of a Boiler Room allow for the quick dissolution of the endeavor, which is contributory the constant movement undertaken by a variety of Boiler Rooms

Solicitation

A Boiler Room will typically accumulate clients through the use of high-powered, forceful, and abrasive solicitation. Due to the clandestine nature of a Boiler Room operation, individuals employed at a Boiler Room will rarely – if ever – encounter clientele in a face-to-face, physical setting:

A Boiler Room will typically target investors will large amounts of reported investment capital; these investors are typically older in age – the respective age of these investors is largely believed to be a means of exploitation.

The Boiler Room solicitation process undertaken by many of the employees involves high-pressured sales tactic, which have been described as ‘bullying’ and ‘pushy’ by those on the receiving end of the solicitation.

The Boiler Room solicitation methodology typically involves telephone-based sales tactics, which allows for an elevated number of sales calls performed in lieu of face-to-face meetings; this methodology supports the ideology of a Boiler Room is two ways – it allows for sales calls to be quick and short, as well as allows for anonymity.

Boiler Room Legality

While every Boiler Room operation is not inherently illegal, the large majority of Boiler Rooms retain unlawful and ethical qualities; these qualifications involve anonymous sales of deceitful investment opportunities in a fraudulent manner – oftentimes, the use of misrepresentation with regard to both the performance, as well as the expected gains are prominent:

A Boiler Room operation will employ tactics that involve the promise of large returns, which are conveyed to take place within a short period of time; this tactic creates an attractive – albeit fraudulent – investment opportunity with regard to the recipient of solicitation.

The movement of a Boiler Room from location-to-location allows for an element of untraceably with regard to the investigation of the implicit criminal nature undertaken; Boiler Rooms may reside in locations for time periods ranging from weeks to years.

The investment capital accrued as a result of solicitation will typically be funneled to the facilitators of the Boiler Room; this is substantiated as a result of fallacious reporting of losses suffered as a result of a respective investment.

Online Stock Trading Explained In Depth

Online Stock Trading Explained In DepthWhat is Online Stock Trading?

Online stock trading is a form of self-direct investing that allows an individual investor to partake in the buying and selling of stocks or options through the use of an internet marketplace or platform.
As a result of the rapid-pace, low-commissions, minimal fees, and overall ease of access, online stock trading has become the norm for individual traders and investors. Due to this popularity, the majority of brokers no offer online services that contain unique trading platforms to expedite online stock trading.

Benefits of Online Stock Trading:

Before online stock trading was made available, investors had to call up their hired brokers and place their particular orders over the telephone. The broker would take the order and execute the trade by placing the order into their system, which was directly linked to the coordinating trading floors and exchanges. With the advent of the Internet; however, investors are now able to execute instant trades with other investors via electronic communication networks. Although some orders entered through the Internet are still routed through the broker, the process of online stock trading is exceptionally faster than the prior technique.
The majority of online stock trading must be approved by agents who monitor the trades. This fundamental step assists in the protection of both the brokerage firm and the client from unlawful or incorrect trades.
Prior to online stock trading the fees associated with executing a trade through a tangible broker was exorbitant. The majority of online brokers are referred to as discount brokers, because the same fees associated with physical brokers are exceptionally lower when executed online. The fees attached to online stock trading are lower due to the speed in which the trade is executed (exponentially more trades can be executed) and online stock trading does not deliver investing advice that is commonplace with a generic broker.

Risks Associated with Online Stock Trading

Before you choose to invest or take part in online stock trading, it is essential that you adequately research the online broker that is being utilized. You must assure that the online broker is licensed with the coordinating state or provincial jurisdiction in which the online stock trades are executed.
The Federal Government of the United States provides tips to avoid investment scams through the issuance of their On Guard Online website.
Potential investors must also understand the potential risk of investing without the aid of a licensed and trained Stock Broker or Investment Professional. These individuals are well-versed in trading and understand the compliance issues associated with investments. Forgoing this information and knowledge could prove costly. As a result of this, the majority of online stock trading companies or online brokers will offer a number of investment tools that may be utilized by individuals.
Once you have researched the aforementioned information, you must research the particular sectors and the coordinating business and financial statements of each company whose stock you plan on purchasing. This knowledge, along with a diversified investment strategy will assist in mitigating the risks associated with the volatility of the stock market and the general risks associated with online stock trading.

Understanding The OTCBB

Understanding The OTCBBWhat is the OTC Bulletin Board?

The OTC Bulletin Board is an electronic, interdealer quotation system that displays real-time quotes, volume information for over-the-counter equity securities (those securities not listed on the NASDAQ or a national securities exchange), and last-sale prices for many equity-securities in the United States.
The OTC Bulletin Board is a service delivered to broker-dealers who may subscribe to the system for a yearly fee. Once the service is acquired, a broker-dealer or financial institution can effectively look up prices or enter quotes for OTC securities.
The Financial Industry Regulatory Authority is the administrative and authoritative body responsible for running and overseeing the OTCBB. That being said, FINRA announced in September of 2009 that the agency would be selling the OTCBB. The sale was initiated because competitors—like the Pink OTC Markets who are rumored to purchase the OTCBB—are stripping the OTCBB of its listing powers. Prior to 2008, the OTCBB collected 100% of quotes, but this number has declined due to the rise in competition.
The OTCBB is not part of the NASDAQ stock exchange; however, all companies quoted or listed on the OTCBB must satisfy the filing and full reporting requirements of the SEC. Although regulations exist, the companies listed on the OTCBB possess no responsibility to report specifics associated with a market capitalization, a minimum share price, and corporate governance. That being said, companies may be “de-listed” from the OTCBB for falling below a minimum share price, a minimum capitalization or other requirements that end up being quoted on the OTCBB.
Those stocks not listed or quoted on the OTCBB (stock of non-reporting companies that do not possess current SEC filings) may be quoted in the Pink Sheets. The majority of companies listed on the OTCBB are dually quoted, meaning they are listed on both the OTCBB and the Pink Sheets.
The OTCBB is an electronic trading service offered by the National Association of Securities Dealers. Companies listed on the OTCBB are required to file current financial statements with either the SEC or a banking/insurance regulator.
What kind of Stocks are listed on the OTCBB
Those stocks traded in OTC markets (such as the Pink Sheets or the OTCBB) typically possess minimal market capitalization.
Stocks traded and quoted on the OTCBB possess low trade volumes and are typically classified as microcaps or penny stocks. As a result of this classification, the majority of retail and institutional investors will avoid the stocks listed on the OTCBB due to the risks associated with share price manipulation and the greater potential for fraud.
Due to the aforementioned risks, the Securities and Exchange Commission commonly issues warnings to investors to be aware of manipulation and fraud schemes associated with the companies listed on the OTCBB. As a result of this investor skepticism, most companies will seek listing on more established marketplaces such as the NYSE, AMEX, or NASDAQ.

Understanding Prospectus

Understanding ProspectusWhat is a Prospectus?

In regards to finance, a prospectus is a formal legal document used by institutions and businesses to elucidate and detail the securities they offer to investors and the general public.
A common prospectus provides investors with information concerning stocks, bonds, mutual funds and other investments aligned with the company, primarily a description of the company’s business model, their financial statements, and biographies of the underlying directors and officers of the company. The information of the directors and officers of the company typically contain information regarding their compensation, any legal matters aligned with the company, and a comprehensive list of material properties that the underlying company possesses. 
In the case of an initial public offering, a prospectus will be distributed by the underwriters aligned with the offering or the brokers offering the IPO to potential investors.
Why is a Prospectus Important?
As a result of the information contained in a prospectus, the document is used as a fundamental evaluation. A prospectus contains the financial information of a company, including all debts and assets, to better illustrate the company’s financial health and standing in their particular market or sector.
By viewing a prospectus an individual investor or a prospective investor can observe the company’s business model, their ability to meet future goals, and the tangible statistics which elucidate upon the vitality of the company. Without the issuance of a prospectus, investors would be ignorant towards the financial statistics and numbers of a company. The information within a prospectus is necessary when evaluating whether an investment is suitable or worthwhile. 
A Prospectus for a Securities Offering:
In the United States, a prospectus for a securities offering is required to be filed with the Securities and Exchange Commission (SEC). The filing with the SEC is part of the registration statement, which is the formal starting point of an initial public offering.
The issuer of the security may not use the prospectus to finalize any sales until the registration statement has been affirmed and declared effective by the Securities and Exchange Commission. This simply means that the securities offers comply with the various rules governing disclosure.
Companies must file Form 10-K with the Securities and Exchange Commission and meet the requirements for market capitalization. Following this adherence, it is permissible to offer securities using a simplified prospectus that will incorporate information referenced to its SEC filings.
Prospectus Format:
The prospectus is the formal document that describes securities offered for public sales; the prospectus is created according to a well-defined format. The format explicitly defines the information required for a prospectus to be legally recognized.
Although writing styles may vary, all filings must follow certain rules. A prospectus must be updated annually, must disclose all fees associated with investment, all tax liabilities and must effectively calculate the potential risk of investment in the underlying company. Additionally, the prospectus must contain an SAI or Statement of Additional Information.
There are eight formal categories that comprise the accepted prospectus format: Performance, Risk, Fees, Management, Investment Objective, Services, Buying or Selling Shares, and the Statement of Additional Information.
The prospectus is a binding legal document that must truthfully disclose all pertinent information to potential investors. Any attempts to falsify information or any material that may result in investigation by the SEC will be punishable by fine and or imprisonment.

6 Types of Global Finance

6 Types of Global FinanceWhat is Global Finance?

Global finance refers to the financial system consisting of regulators and various financial institutions that conduct their business on an international level. As a result of this definition, global finance does not constitute any financial businesses or regulators that act on a national or regional level.
The primary components of global finance are the enormous international institutions, such as the bank for International Settlements or the International monetary Fund, as well as various national agencies and government departments, such as various central banks, finance ministries, and those private companies who act on a global scale.

Prominent International Institutions aligned with Global Finance:
The International Monetary Fund is a financial institution that is responsible for maintaining the international balance of payments accounts of its member states. The International Monetary Fund may also act as a lender (typically in last resort situations) for state members who are in financial distress due to currency crises or struggles that revolve around meeting the balance of payment when debt default is present.
Membership in the International Monetary Fund is based on quota or the amount of funding a member state (country) provides to the fund. The evaluation of funding is based on a relative investigation of the member state’s role in the international trading system and global finance in general.
Another prominent member of global finance is the World Bank, which is an institution who aims to offer funding for development projects that, for the most part, reside in developing nations. The World Bank assumes the credit risk of these developing nations; the World Bank will provide financing to projects that otherwise would not be able to access such funding.
The World Trade Organization is another principle player aligned with global finance. The World Trade Organization is responsible for settling disputes and negotiating international trade agreements with various international companies, institutions or government agencies.

Types of Private Participants in Global Finance:
To be considered a participant in global finance a company or organization must possess international clients or conduct business transactions overseas. The following types of institutions also play a prominent role within global finance:
o    Commercial Banks
o    Insurance Companies
o    Sovereign Wealth Funds
o    Mutual Funds
o    Pension Funds
o    Private Equity Firms and Hedge Funds

International Finance Corporation Role

International Finance Corporation RoleWhat is the International Finance Corporation?

The International Finance Corporation is a United Nations agency that directly invests in companies and guarantees loans to private investors in the global marketplace. The International Finance Corporation is affiliated with the World Bank and was created to promote a sustainable private sector through the investment in developing economies as a means to reduce poverty and improve the lives of those residing in struggling nations.
The funds delivered to such nations are typically used to benefit the nation as a whole. Through the delivery of funds, these developing economies can invest and subsequently supply their people with improved public services such as paved roads, public transportation, the establishment of business centers, and an overall improvement of the nation’s infrastructure.
The International Finance Corporation is headquartered in Washington D.C. and shares the primary responsibilities and objectives of all World Bank Group Institutions—to improve the overall quality of the lives of people in developing countries.
To help those in struggling nations, the International Finance Corporation provides micro loans as well as other forms of financing to developing countries. The International Finance Corporation was established in 1956, and stands alone as the world’s largest multilateral source of equity financing for private sector projects in developing economies worldwide.

Role of the International Finance Corporation

The International Finance Corporation aims to promote sustainable development of the private sector in developing nations through the various means:
o    The International Finance Corporation will finance private sector projects and an assortment of business ventures in the developing world.
o    The International Finance Corporation will help private companies in developing nations in regards to mobilizing and gaining access to financing streams in the international financial markets.
o    The International Finance Corporation will provide technical assistance and professional advice to various businesses and government agencies throughout the world. 
Ownership and Management Structure of the International Finance Corporation:
The International Finance Corporation is comprised of 182 member countries who band together to collectively distribute the company’s unique policies. To gain membership, a country must first acquire membership to the International Bank for Reconstruction and Development. The International Finance Corporation shares capital, which is delivered by its member countries. The voting privileges of the member countries are proportional to the number of shares held—tied-into the amount invested.
The International Finance Corporation is comprised of a Board of Governors who delegates the majority of their powers to the IFC’s board of Directors. The IFC is also managed by the company’s CEO, President and Executive Vice President.
International Finance Corporation’s funding:
The International Finance Corporation’s equity and investment policy is funded out of the capital paid-into the corporation. Additionally, funds are obtained through the retained earnings, which is primarily comprised of the corporation’s net worth. The IFC possesses a strong shareholder support, triple-A bond ratings, as well as a substantial capital base, which allows the company to raise funds in all international markets.

What You Didn’t Know About Finance Management

What You Didn't Know About Finance Management

Finance Management Defined:

 

Financial management is a subject in finance that institutes and elucidates on the planning for an individual or business enterprise for long-term purposes. Financial management can be delivered as a course load in an educational environment or may be delivered by a financial professional, such as a financial planner or adviser.
 
 
Financial management aims to ensure a positive cash flow for the individual consumer or investor through the institution of efficient investment, habitual savings, and frugal spending. The practice includes the administration and re-evaluation of financial assets as they pertain to an effective long-term financial plan. Additionally, financial management covers and elucidates upon the process of identifying and subsequently managing the potential risks associated with leverage, investment and spending beyond one’s means.
 
 
The primary concern or focus of financial management deals with the assessment—as oppose to the techniques—of financial quantification. If hired, a financial manager will evaluate the available data (financial plans, tax statements, income statements and expenditures) to judge the performance of an individual’s financial statements or a business model.
 
 
As a result of this process and concern, financial management aims to maximize efficiency through the administration of a thorough cost/benefit analysis. Financial management thus, will investigate and evaluate the expenditures of a consumer or business enterprise and compare those costs to their respective investments and income. Furthermore, the field of financial management will delve deeper into an enterprise’s or individual’s financial state by evaluating their respective long-term goals and the means utilized to achieve such goals.
 
 
Various Levels of Financial Management
 
 
In a broad sense, the process or study of financial management takes place at two distinct levels: the individual interpretation and the business application.
 
 
At the individual level, the process of financial management involves the creation of a financial plan in accordance with the resources and assets of the respective individual. In the most simplistic of senses, those individuals who earn high incomes or who hold a surplus of cash must invest their money wisely to negate the impact of taxation and inflation. In this situation those individuals must also be wise in how they spend their discretionary income; individuals with a surplus must make financial decisions that will benefit them in the long-run and help them achieve their financial goals in the future.
 
 
From a business point of view, the process or study of financial management is typically associated with financial control and the institution of financial planning. Financial planning will seek to quantify the various financial resources of a business model and subsequently compare them to its expenditures to create a suitable investment strategy.
 
 
In contrast, financial control refers to a business operation’s cash flow and the effective monitoring of the cash flow that is necessary to establish a strong business model. Cash inflow refers to the amount of money coming into the respective corporation, while the outflow refers to the corporation’s expenditures. Managing this flow of money in relation to the corporation’s budget is essential to institute and maintain an efficient business model. 
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