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Until recently, it has been the norm for tech firms to plough back all their profit and cashflow into investing in the business.
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Yet the transformation of mortgages, credit-card debt and other recurring cashflows into new marketable securities is enjoying something of a resurgence.
Instead of waiting for the cheques to arrive each year, some states packaged the cashflows into bonds and sold them off to investors (including hedge funds) that were keen on risky assets.In this section Into the pressure cooker Stop signs Unlucky strike Squaring the circle Swiss finished?
Five years of exceptionally low interest rates have turbocharged Hong Kong's banks by making it cheaper to borrow the money they go on to lend.Last year's "taper tantrum", when investors fretted about a rise in American interest rates, provided a taste of how cashflows into Hong Kong can easily turn to outflows.
Templates can be very powerful but ensure that you apply the correct thought processes for how your business works, and then make sure the template can work for you rather than trying to shoehorn the way your business's cashflow works into the template.
Yet the shortage of quality stocks points to a problem for the wider market.Investors have been flocking to equities because interest rates are so low; some, perhaps, on the naive view that using a lower discount rate on future cashflows translates into higher share prices today.
Thanks to Qwitter we now have projections of cashflow going well into 2010".
"We'll be adding smart alerts, scenarios and suggested actions if you might be running into cashflow difficulty," she says.
Slashing prices is a tactic often employed by small businesses trying to get pricing right and though it can increase sales and help cashflow in the short-term, marketing consultant Claire Boyles cautions against falling into the pattern of offering discounts.
Without fresh funding from next week, Greece is likely to run into a cashflow crisis rapidly.
Lower interest rates increase the disposable income of debtors, by cutting their repayments, even as they eat into savers' cashflow.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com