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Types of Cashless Transactions

Secure payment options have become a focal point of many businesses today. The world over, many business places have been opting for cashless transactions over hard cash transactions. This type of system helps to deter theft and reduce the cost of transporting money to the bank. Thousands of stores and retail outlets now use only that type of system and encourage their customers to shop in that manner. It also works out for the safety of shoppers themselves as they would less likely become targets of criminals.

When speaking about cashless transactions, we are talking about credit and debit cards and cheques (checks – US spelling). There are terminals installed in the stores that facilitate the transactions. Point of Sale (P.O.S.) machines are used to transfer the money in the customers bank account to the proprietors account electronically. The transaction is instant and does not require money to change hands on the spot. There are also instances where payments can be made over the internet for goods that are bought, which are even delivered to the customer at times upon their request. The cashless transaction mediums of the internet, debit cards, credit cards, and cheques have revolutionized businesses, and they will be around for many years to come.



What Are Current Assets?

Current Assets are your assets that are liquid, like cash in the bank, cash on hand, debtors, etc. The term “liquid” is used to represent the fact that these assets are easily accessible and are not tied up in any physical object or product. The formula for Current Assets is

Net Worth (or Total Assets) + Current Liabilities – Fixed Assets

So if your Net Worth is $3,000, Current Liabilities is $500, and Fixed Assets is $1,900, then your Current Assets would be ($3,000+$500)-$1,900=$1,600.

What Is Capital?

In the simplest of terms, Capital is the funds and assets invested in a business by the owners. This refers to any cash and fixed and current assets that the business partners pool together to get the business off the ground and keep it running. Capital is the main and first funding source that the business receives and profit is usually shared in the ratio that partners have shares in the business.

Other terms associated with Capital include accumulated assets, available money, investment, and startup capital (which is the money that was originally used to start the business). As an example, Max, Ted, and Luke decide to form a clothing business using whatever money and assets they have. Max has $40,000 and is a tailor. Ted has an empty 5,000 square foot building valued at $100,000 plus $10,000 cash. Luke has a car valued at $12,000 that he decides to use as the company vehicle plus $3,000 cash. The total startup Capital that the clothing business would have is the sum of all the monies plus the sum of the values of the assets, which gives a grand total of $165,000. In terms of shares and profit sharing, based on how they rank in terms of the amount of capital each brought into the business, Ted (with 67%) would be first followed by Max (with 24%) and then Luke (with 9%), which means Ted is the holder of the largest share in the business and has controlling interest.

What Is Cost Sharing?

Cost Sharing is the splitting up costs amongst two or more individuals or companies in order to achieve a common good. This means that all costs incurred are shared up among those who are involved in the business transaction, not necessarily equally. Doing so enables all involved to be able to handle all costs since no one person would be bearing the brunt of the costs.

For instance, John and Mary may want to purchase a vehicle. Since they both live in the same house, it would be more cost effective for them to pool their resources and buy one car instead of standing the cost of one car each alone. So they agree to share the cost of buying the car 50-50. This is a very simple example of cost sharing. Another example is the aid some governments give to parents who have children in school so as to help to ease the burden of school fees. In this instance, cost sharing may not be 50-50, but at least the parent would not have to bear the expenses alone.

What Is A Budget?

A Budget is an estimate of the income and expenditures for a specific period of time, usually one year. That however is a broad definition as budget can also be defined as an estimate of the income and expenditures per month, or weekly, or even fortnightly. This is because, in general, persons get paid at different times, some monthly, some weekly, others every two weeks. When speaking of a company, however, it would be a yearly thing.

Budgets are prepared in order to allocate funds for particular events or programs and for salaries and other expenses. If a budget is not prepared, a company (or individual) would be spending money recklessly as some things would get left out and proper accountancy may become compromised.

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