Monthly Cash Flow Plan Form

The way to find the apartment is to find the neighborhood you want to live in, and walk into a real estate agent for that neighborhood.  Hong Kong is pretty compact, so it doesn't make that much difference if you live on the island.  I know a few people that live in Shenzhen (much, much cheaper) and commute to Central every day.Bank account:  go into a bank with your passportPhone: You can get your iphone unlocked at which point there are all sorts of competitive cell plansInternet: Also lots of competition.  Cost of living: It can very widely.  The big cost is rent, and where you want to live and how much you want to pay is up to you.  Expat things tend to be more expensive.The only thing that I haven't been able to get in Hong Kong are tamales.Some random things....1) The most annoying thing is to find schools for the kids.  One thing that I found out was that you should e-mail the schools to see if there are any places open before filling out any applications.   That will save you a lot of time, and if a school doesn't respond to your e-mails, that means they aren't interested.Also you'll find that people will keep their space in a school until the last minute.  We were put on a lot of wait lists, and the day before school started we got calls seeing if you are interested.2) The housing reimbursement program is not a separate account.  You fill out a form saying that you want X of your income to go to housing, and that gets set up tax-free.  I was confused because I thought it was like an account in the US where the money goes into a separate account.3) Pensions work differently in HK.  One big mistake that I made was because pension matches are subject to US tax, I minimized my pension match since I assumed that I wouldn't have access to the funds until I was retiring.  What I didn't realize was that outside of the minimum contribution, you get the full pension benefit in cash when you switch employers.  If I realized this I would have maximized my employer match.4) If you are a US citizen/resident, you will need a tax accountant for the first year.  The taxes are low, but you will have to fill out a ton of forms.  Once you know how to fill out the taxes, then you can just copy them over to future years.5) If you have a choice you want to get paid as a HK employee and not a US employee, the tax rules are different and in particularly as an HK employee you do not have to pay US social security taxes.  The income tax is about the same, but as an HK employee you don't have payroll withholding.

All Hollywood actors have to be members of the Screen Actor's Guild to perform in major productions. That means that they have to be compensated in a manner which can be audited by the guild to ensure that they are being paid fairly. This means checks, wire transfers, etc. Cash payments would not allow that to occur.Depending upon what level the performer is on there are several methods where they could be compensated:They can create an LLC (Limited Liability Company) or a corporation and have themselves paid through that. This allows them to be a private entity and can lessen their tax burden in many states. They would receive a 1099 at the end of each quarter and their business staff would be responsible for paying their taxes and withholding. These are often referred to as “loan outs.” They could, if they were bit performers, be paid normally and then receive a W-2 at the end of the year. The production company would do all of their withholding and issue them the necessary tax documentation. This method is not favored by many actors as it leaves them dependent on the production company to take care of their tax matters.Some smaller productions overseas might be willing to pay extras in cash on a daily basis. However, many producers would be loath to do this as it could cause security issues and it is a temptation for fraud and abuse.Some of the major stars receive what are term to gross points, which are percentage of the gross movie profits. These can be exceptional, especially if the film is a hit, so only a few performers will receive them. Many are promised “net profit points” which are nearly worthless as even the most profitable films rarely show a profit due to Hollywood accounting techniques.

The story of Aitzaz Hassan. A sixteen years old Pakistani boy who saved the lives of hundereds of school children in Pakistan. ​​On the bright morning of  January 6, 2014, Aitzaz along with two of his friends signNowed the gate of Government High School, Ibrahimzai in North West Pakistan (the school is attended by around 2,000 students). He was not allowed to enter the school on account of being a few minutes late. Right at this moment a man aged between 20-25 approached the school gate and told the guard that he wants to go inside to "take admission" to this school. At this point, Aitzaz and his friends spotted a detonating device protruding out of this man's jacket. Horrified, Aitzaz's friends ran inside the school to save their lives. Aitzaz on the other hand hustled to the bomber and confronted him while he was trying to force his way through the school gate. The bomber tried his best to run inside but could not escape Aitzaz's iron grip. Upon failure he detonated his suicide vest killing both Aitzaz and himself. No other school student was injured. Less than one year and 100 miles later, this happened:​​​​On this occasion, terrorists managed to enter another school building and killed around 140 school students. This time sadly, there was no Aitzaz around to stop them.For his bravery and courage, Aitzaz was declared Herald's Person of the Year for 2014 and his school was renamed Aitzaz Hasan Shaheed High School.

I’ve posted this answer elsewhere on Quora, but it fills the bill perfectly:Million Dollar WebsiteThe year was 2005, and Alex Tew was a student who wanted to get some money to pay for his third year at the university. His bank account was empty, and it seemed that all he had was a notebook and a pen. However, that was enough to come up with a brilliant idea.He wrote down just one question on his notepad: “How can I become a millionaire?” After 20 minutes of a heavy brainstorming, he got the answer. So he said to himself: “What if I can sell one million pixels of advertising space on a website for $1 per pixel? This is one of those crazy, quirky ideas, but it just might work. I’ve got nothing to lose anyway.”So he borrowed $100 for the domain name and basic web hosting. If to get into details, Alex’ idea was very simple: businesses can buy at least 10×10 or larger blocks of advertising space for a $1 per pixel and place their logos and links on the website. Then Alex convinced some family members and close friends to buy the first 1,000 pixels. He also assumed his idea could be an intriguing story for the media, so he made sure to contact the local press.Like you’ve already guessed, Alex hit the bull’s eye. The word quickly spread through the media and within two weeks he sold $40 000 worth of pixels. In no time, the website was discovered in more than 35 countries and just in five months he made $1 million. Enough to pay his college, right?He sold the remaining pixels on Ebay. The last ad space on his site was bought for $38,000. “I’ve spent probably about $40,000 maintaining the site and publicizing it, so there’s been some degree of expense to keep it going. But still–it’s a healthy profit at the end of the day.” – happy Alex says.Selling Canned AirTo sell air – the dream of each and every lazybone in the world has finally come true. The thing is that lazybones do not earn $8,000,000.However, a Chinese businessman named Chen Guangbiao does. This may sound like a bad joke, but it’s not something to be called funny. As a matter of fact, air pollution has become a major issue in China and poses a real threat to Chinese public health. So Chen Guangbiao had this wildest idea. Eventually, he has sold over 10,000,000 cans of air from less polluted places in China in 10 days. The air was sold at 80 cents a can.Can you believe it – the millionaire fights pollution with thin air! Surely enough, he understands that his canned-air campaign can’t beat the problem, but says “it’s a way to awaken people to the importance of environmental protection”.Dirty Rotten FlowersDo you have archenemies? Or, maybe, your ex is so annoying you can’t just let it go?If the answer is positive, you better know about DRF – an online shop that sells…withered flowers. Yeah, the ones you throw away after your Birthday party is over. The business concept is plain and simple: you choose “the bouquet”, provide an address and the person you “like” receives a rather unpleasant surprise.Without any doubt, the founders of the website just reinvented the florist business. And judging by the testimonials on their website, the standard flower sellers have a huge competitor now.Although they only have 4 articles with prices ranging from $29 to $33, the business goes well. Alas, the world is full of vengeance (and weird ideas).

My favorite hotel service experience was the one where the hotel staff actually turned a negative experience into an incredible positive.I was staying 2 nights at the Aloft Downtown Chicago on business. On the first morning, I went to iron a dress for my meetings. The minute I put the iron on the dress, I realized the protective coating on the iron was melting and it immediately put a sticky stain on a beautiful silk Theory dress.I brought the dress to the front desk and told them what happened. They apologized and told me they’d have it cleaned while I was at work that day.When I returned to the hotel, they had indeed had it cleaned but sadly the iron had left burn marks that couldn’t be removed. The staff had checked the dress on return and, realizing this, had found already found an identical replacement. To take it a step further, Theory was no longer selling the dress, but they had found one online in my size and color at a department store. It was not in the Chicago so they had it express delivered to my apartment in New York City - it was waiting for me when I got home from my trip.That dress cost more than my 2 night stay at that hotel.Perhaps the iron WAS the hotel’s fault and they WERE liable, but they went out of their way without so much as a complaint from me and it absolutely made my day. I’ve told so many people this story and recommend that Aloft every time someone tells me they are headed to Chicago. Doesn’t hurt that it is also home to my all-time favorite hotel cafe and restaurant (Beatrix).

What you experience as a teller seems to vary on not only the bank you work for, but the branch you work in. For instance, my experience as a teller is probably very different than those in a lot of other bank branches because I work at a branch that has a lot of higher end clientele. We do a lot more catering and hand-holding than other branches do, and sometimes have to bend the rules a little to get things done.My day starts with me putting up my stuff in a secure area in the break room. If I’m opening, I disarm the alarms and do the morning walk-through with another teller. Then we deal with all the daily duties like getting the work together from earlier that week to send to the main office, putting together the sell for the armored truck, or auditing one of the many machines or vaults we have.I get out my drawer, boot everything up, finish putting the Nightdrops in the system, and then I wait. The morning is usually slow, so we spend a lot of time talking and trying to entertain ourselves… or trying not to fall asleep. Businesses show up a little later in the morning usually or throughout the day. And from there its an array of change orders, trying to sort out the mass of bills and checks sometimes neatly put together and sometimes crammed in a bag with such little care that it could take you 5–10 mins just to sort into some sort of order. But you get through all that and then you wait some more… and you wait some more…. and you wait some more… Given, a lot of branches are actually busy, so there is very little waiting involved, and much more trying not to lose your mind. But this is my branch.There’s a lot of checks being cashed, checks and bills being deposited, and people asking what their balance is. You get the occasional person bringing in their change to cash out. Or you get to let someone into their safe deposit box. That’s all the easy part of being a teller.The hard part is the questions you have to answer and the regulations that you have to follow. Telling people “I’m sorry I can’t do that,” and then having to try and explain why, because they don’t understand. It’s a lot of filling out forms. If I had a dollar for every slip I’ve had to fill out for someone I would’ve nearly doubled my paycheck every month. All of that is monotonous, though. And it can drive you crazy after a while. But the part of my job I really enjoy are those rare instances when I feel like I can actually really help someone. To put in the extra mile and teach someone who’s concerned about counterfeit 20s in her yard sale how to tell the difference between what’s real and what’s fake. To teach someone who doesn’t know English very well how to write out English numbers on his checks so he can pay his employees. It’s painstakingly going through every transaction with someone on their banking statement and showing them the result until they’re satisfied. It’s teaching high school kids how to fill out their first bank deposit form. It’s letting someone know their driver’s license is about to expire. It’s always been the small things that really make the job worth doing to me.But in between all of that, there are the vast arrays of paperwork that have to be done every day. Phone calls for all the check, debit card, and foreign currency orders. Followed by writing out hold logs. Trying to fill private banking’s little tasks. Occasional product phone calls can be assigned, which can take anywhere from one minute to an hour and thirty depending on the number of calls and the type. There’s filling out the occasional credit card application for a customer or a direct deposit request form. Then there’s the federal reporting forms that have to be filled out occasionally depending on the circumstance. In our branch, we also get a large amount of loan work that gets sent our way, so that takes up some time as well—completing their transactions and being essentially front-line secretaries. There are of course sales goals to fill, but at least in my bank, my job doesn’t rely on me signNowing my goal.Even with all that seriousness, some of it can be very funny. Like the truck who ran over lane 4. Or the fact that our ATM is constantly on the fritz and has a taste for eating people’s checks. Or when we’ve accidentally sent two tubes to the same lane. Or that guy who came in wanting to withdrawal $2000 in 1s for a wedding… or someone who chose to deposit an entire tub full of coin. There are days when I go home wanting to scream, and then there are days when I smile from ear to ear, but in the end, I love my job. It may not be an end game for me, but I have very few complaints. I work for a good company, and for now, that’s good enough for me.As for advice… the only thing I can tell you is… try to find joy in the small things. Be kind and people will often be kind to you.

Let me tell you about a law that passed in Maryland in 2013…Post-Sandy Hook, the one party rule state of Maryland decided to push a raft of gun control laws. None of which had anything to do with or could have prevented Newtown but since facts and logic aren’t the strong suit of gun control and control is the name of the day, they rammed these laws through.One of these laws was a fundamental change in handgun ownership. Due to Baltimore being one of the top 5 cities in the USA for violent crime, they pushed for a “Handgun Qualification License” (HQL) as a means of stopping gun violence in the city. They literally sold this law as a gun violence prevention measure.The HQL is a permit-to-purchase for any new handgun from October 1, 2013 onward. You need to have one to buy a handgun in Maryland. So what does getting an HQL entail? Here’s the list:Taking a mandatory, state approved HQL training course by a state approved instructor at your expense. This course is a minimum of four hours and includes a live fire component which limits its location to places where ranges exist or the course is split over several days. Average cost is around $150 not including your travel time.Getting yourself fingerprinted at your expense by a state-approved fingerprint provider with electronic submission capability. Once taken, you have only a few days to submit your application. The cost of the fingerprinting is $50-$80.Submit an HQL application online only via the Maryland State Police Licensing Division website and pay the application fee via debit card or credit card only. No mail in forms, no in-person application, no cash or checks. If you don’t have Internet access you are out of luck. First time fee is $50.Wait for the Licensing Division to process the application. There is no mandated time limit to process the applications and average time is several weeks to a month or more based on informal surveys of applicants.After processing you will receive an HQL card in the mail. This card is the property of the Maryland State Police (it is very clear on this point) and it is your state-issued permission slip to begin the process of purchasing a handgun. The HQL is good for ten years.So, on average based on anecdotal accounts of hundreds of people who have gone through this process and tracked on the Maryland Shooters forum this process costs $200-$300, take around two months to meet the prerequisites to apply unless you’re really lucky and another 2–4 weeks to receive your government permission slip.Now to the fun part… the HQL did not change the prior purchase process in place! Even though a full background check is performed to issue the HQL, you still need to then fill out a purchase request application with the State Police at $10 per transfer, buy the gun, fill out all of the paperwork and still be subject to the 8 day waiting period. The HQL, despite being a license, is merely a license to let you start the process. They did not rescind or modify the process at all and added the HQL as an additional burden to acquire a handgun.It has all of the things that gun control states they want. Deep background check, a photo ID license to get a gun, fingerprinting and mandatory training. It was sold as a crime reduction measure to reduce gun violence in Baltimore and other places.How many HQLs do you think have been acquired by criminals in the 4 1/2 years since its creation? If you answered “Zero”, you’d be correct.So we reject these proposals because I can point to actual, real-world laws that do all of this, was sold on a lie and has done nothing to reduce crime. All it did was impose a signNow burden on the law-abiding in the exercise of their rights. So signNow there are several cases proceeding challenging the HQL requirements. Especially the “online only” element and training requirements that serve as a serious and disproportionate impact on lower income families and would-be owners.How Long Did Your HQL Approval Take?Handgun Qualification License

Those might not be "the biggest" shocks, but definitely not expected stuffsNow those things are mostly funny to me, or I just understand them, but that time it was surprising. I like to see myself as a funny person, therefore my answers are written in that way. I mean what I say, just the way I describe it is bit "lighter". So, let's look into my memories...:1) Got out of air plane, got on riksha, got out, paid (local friend told me how much) driver took 50Rs and did the headshake. I was totally lost. I didn't know if I paid less, or if it is okay, when I asked, the driver again did the headshake... :-D This together with overall different body language was very confusing the communication.2) Second week. I was able to cross the road with heavy traffic without any help. Applause! After few weeks I developed my own style how to cross any road. Feeling of a master.3) People think I am rich and awesome just because I am a pale foreigner. WTF? :D But it was certainly a pleasure to be treated like someone special. - True is, this applies especially to less educated people. (EDIT: It is tiresome. Of course I AM awesome. But don't take it for granted, the other pale foreigners are not! :D)4) Cows are worshipped but they are damn skinny and eating rubbish from the streets. ?!!!! Seems like cows are really independent over there!5) As a woman I am considered to be weaker, taken care of, endangered etc. Sometimes it made me feel like I am a kid or less developed in my mind according my male friends.6) Kids working manually instead of being in a school. Fact that some kid washed my clothes or was brooming in my guest house and that they were paid for that or it was considered to be normal was bit scaring me.7) Meeting handsome, entertaining, smart males at age 20+ who are virgins. Plus they talk about it. First, I was shocked sex is so oppressed in this culture, second - why the hell is that even a topic to be discussed? For me it is my personal stuff, not even my parents should be interested in. Please do not inform me about the state of your virgnity ever, I do not care. Especially when I see you for the first or second time in my life.EDIT: On contrary, in my country people would pity you for being a virgin in mid twenties anyway, we would think you are too unwanted/have not grown up yet and that is why you are still a virgin.8) Youths hanging around the malls considering this as a fun. To me it was super pointless as well as the amount of Bollywood movies watched by a regular person. I expected more creativity in the free time, more culture... including sports, walks, performing arts, music concerts, actual theatre etc.9) Lack of coffee.... but chai everywhere. Even though I was served with a coffee it was this processed "shit", the powdered one (Nescafé), I was surprised, I expected the "real" one in a country which plants it. (Now I know it is to be found rather in the south...)10) Incredible neverending noise. Even inside the houses - the fans are on.11) The huge number of students - engineers, and how many girls study this field as well.12) Old skinny people riding bicycle rickshaws and young fat/wealthy people using this service. Now talk to me about respecting elders!13) Pissing yes - kissing no "rule" for public.14) Bribing even at the lowest level. ('Coz of simple paperwork or little fines from a policeman)15) Fact that I should not be outside in the night/using tuk-tuk in the night. Or that it is dangerous to do so. What's wrong with night? Ghosts and murderers get out?16) Many people are doing even a tiniest, non productive job. Like - it took three guys to serve me at a cash desk. One was naming the items, one was typing it in the machine and third was putting them into a bag... It took them a lot of time too.17) Once I mistakenly left the grocery shop in a hurry without being given the cash back. I came back six hours later, there were different people, but within ten minutes they made the calls etc. and gave me my 500Rs back. WOW! I don't think this is possible in my country.18) The way how Indians serve and help each other without knowing each other. Providing water to ANYONE who asks. Lending your phone for a call to a stranger! That is still blowing my mind. I have never seen this in Europe.(And thank you, the guy from pizzeria in Jodhpur, who managed to get a private toilet for me, when I really needed it and there was no option around and my bus was leaving in 20 minutes... Also thanks to that family who owned that toilet :DDD.)19) Buying a SIM card - I had to fill out the form with the name and a job of my father. What?! Why? :D20) The fact that the youth are looking forward for their arranged marriage. I was supershocked by that. (Now I wish for one too, *sigh*)EDIT: Just a note for why Europeans perceive an arranged marriage with a shock: It is not a new thing to us. We had arranged marriages commonly 100years ago. And because along with new technologies and social changes we moved from that times it seems to us as "outworn concept". Something like candles instead of electricity. So seeing modern people in India going for arranged m. is difficult to understand. Some of classics of Czech literature and theatre (The Bartered Bride) are about arranged m. Well, nowadays, it sounds more as a fairy tale to us.21) People consider quite common to speak three or more languages. In Europe we also speak more languages sometimes, but if we do, we consider ourselves rather special. :D22) PC games are equal to sport in sense of prestige; for winning them you can be awarded and recognized even at the university level. Real absurd to me.23) Shorts are wrong to wear by girls but sari without bra under the choli and revealing tummy is okay... Please, bewray the rule to me, I don't see that! :D EDIT: See, if I had to make some joke on this it would be like:"I think that the Indians who put a ban on jeans and t-shirt for girls do so just because sari is far more sexier."24) Indian males with their hair dyed red/ginger. I guess it is caused by henna, and my friend told me it is not just a fashion but serves good health (which henna surely does) but to me this was very "girlish" - grown up man dying his hair is funny, the more when picking bright colour which is considered to be "female".Sorry  for a too long list, you are too surprising country :) Comments,  disagreement and debates are more than welcome! (Much more than plain  down votes...)I am from Czech Republic - that is the European country where Baťa company is from. Yeah. Really. ;)    Been to Jaipur in 2011 for two months during monsoon, met mostly college students, dated an Indian, having close NRI friends now.EDIT:Where I was?I stayed 70% of the time in Jaipur. Visited also: Udaipur, Jodhpur, Agra, Delhi and Rishikesh.

It looks like you’re in the US, so there are definitely food banks and charities available to you.I don’t know what state you’re in but you can Google food banks plus your city and state. You’ll be able to go pick up a box of basic supplies to supplement your groceries.Next, Google how to apply for SNAP and your state, follow the link, apply. There are a few options, you can also apply for cash assistance and WIC. You can also Google the income limits for those programs in advance so you don’t waste your time filling out all the forms if you’re not going to qualify. If your situation is dire you will probably receive the cash assistance. If you have a child you may receive WIC, which means more free groceries. If your income allows neither of those you may still qualify for SNAP. You’ll get a monthly amount loaded on a debit card to use at the grocery store.Figure out your monthly food budget and take advantage of meal planners online that fit that budget. Here’s the Google results for a weekly budget with 5 dollars a day. There are a ton of these. You can even copy and paste the ideas you like into your own spreadsheet if you’re willing to take some time to read through many of them. planning a weekly menu on 5 dollars a dayMake sure you’re using coupons! Sign up for those stupid savings emails that you load on a shoppers card from your computer. From Krogers not only do I get coupons mailed to me but with my online account I can load more coupons on to my savings card so I don’t miss anything. When something you really like goes on a good sale, buy as much of as it as you can budget. This works especially well if you’re planning your budget monthly instead of weekly if possible. Fill your freezer with meats you like that are deeply reduced on the sell by date, but if they’re not in a cryovac package pop the plastic and smell it first. It’s very disheartening to open up rotten meat you thought was a good deal. You can also plan to use part of what you buy in excess for part of your budget next month if the savings are worth it.I don’t know how to make the bullets stop now. This is all going to be a bit of a hassle, I’m not going to lie. It takes some serious time and effort to eat decently on a tight budget. I know because I’m doing it myself.Another unneeded bullet - there is no retroactive assistance, so you have to make the call immediately to start getting help. And lots of farmers markets take SNAP cards, which is nice in the warm months. I also really like those bags of 99 cent produce my Krogers puts on the end caps, they don’t look perfect but they’re pretty much always perfectly fine.Good luck

The cash flow statement should be prepared on a monthly basis during the first year, on a quarterly basis for the second year, and annually for the third year. ... Cash sales are income from sales paid for by cash. Receivables are income from the collection of money owed to the business resulting from sales.

Cash flow is the money that is moving (flowing) in and out of your business in a month. ... Cash is going out of your business in the form of payments for expenses, like rent or a mortgage, in monthly loan payments, and in payments for taxes and other accounts payable.

Subtract your total cash outflows from your total cash inflows to determine your yearly cash flow. ... Continuing with the example, subtract $139,000 from $175,000 to get $36,000 in positive yearly cash flow. This means that you generated enough cash to pay your bills and added $36,000 to your cash balance.

Prepare the income or sales for the business \u2014 a sales forecast. ... Prepare detail on any other estimated cash inflows. ... Prepare detail on all estimated cash outflows and expenses. ... Prepare your cash flow forecast by putting all the gathered detail together. ... Review your estimated cash flows to actual.

Prepare the income or sales for the business \u2014 a sales forecast. ... Prepare detail on any other estimated cash inflows. ... Prepare detail on all estimated cash outflows and expenses. ... Prepare your cash flow forecast by putting all the gathered detail together. ... Review your estimated cash flows to actual.