Invest In Miskolc » Financial Investments » Basic Principles of Financial management
Basic Principles of Financial management
Financial Investments
Money!
Pretty self-explanatory. A heap full of money. Yes, I took it myself.
Basic Principles of Financial management
Financial Management
Good financial planning cannot be underestimated. Many surveys have identified that around 74% of business closures were attributable to poor financial management. A good business will have a business plan that incorporates financial budget for projected sales, expenses, net profits, staff needs and capital acquisition (purchase of assets)
- The level of profitability in a business will have an impact on the liquidity of the business, and this must be continuously monitored. The amount of cash in the business daily and the credit available from bankers must be sufficient to allow the businesses to trade. The measure of business’s efficiency is the manner, in which it maintains its records promptly, collects its overdue receivables and maintains an inventory that turns over quickly.
- The ultimate measure of business success is the return on shareholder’s funds, often expressed as net profit divided by shareholders funds.
- Actual results should be reported against budgets at least monthly. This enables management to correct adverse trends . Corrections may include improved staff training, better cost control, improved purchasing from suppliers, and better marketing through advertising, etc.
- The importance of cash in a business and the speed with which it flows through the business accounts can be the difference between survival and failure. Cash is needed to pay bills. A business id deemed to be insolvent when it is unable to pay its debts as and when they arise. Bank lines of credit are very important to any business.
- The financial controls needed in s successful business are intended to minimise risk. Expense control should be firm and production costs should avoid wastage without compromising quality. Minimising risk is supplemented by insurance for fire, burglary, theft and loss of profits, etc.
- Many people enter business with little basic knowledge. Financial planning is about gaining knowledge in preparation for a course of action for any enterprise. It is important to know about financial reports such as budgets, cash flow, profit and loss statements and balance sheets. Record systems are the means of being able to check progress against past results.
- The planning cycle begins with a business looking at its present financial position. Then the managers prepare a business plan with objectives and budgets. Next are the implementation and control phrases. Planning is strategic or operational.
- Major participants in the financial market are:
- Investment/merchant banks
- Commercial banks – provide customers with a range of products including deposit and cheque accounts, credit/debit cards, personal loans and mortgages
- Money market dealers – buy and sell government securities on the secondary market, and offer cash or deposit facilities to major organisations.
- Finance companies – major providers of business finance, factoring, leasing and property financing
- Insurance/superannuation funds – involved in domestic and commercial mortgages, property developments, bonds, shares and government securities.
- Building societies/credit unions- make advances to customers for housing and personal loans, similar to banks.
- The reserve bank of Australia acts as banker for the government; implements monetary policy independently but in conjunction with the government of the day; monitors commercial banks; monitors foreign exchange rates; manages coin and note issues; and monitors economic data.
- Merchant/investment banks are major players in the short-term money markets, dealing with all money market instruments or securities such as commercial bills. They act as primary advisors to corporations seeking to issue shares or debentures/bonds. They also underwrite new share/debenture issues, and tender and deal in government securities.
- The Australian Stock Exchange Limited (ASX) has many customers, but the principle ones are investors, listed companies and stockbrokers , who are intermediaries (links) between them and the capital markets.
- Domestic market influences on our capital markets include where we are on the economic cycle; economic management policies of the Federal Government ; interest rate changes by the Reserve Bank; level of unemployment ; industrial stability; consumer demand; the level of investment in the economy; the innovation rate; and the level of inflation.
- Overseas market influences are affected by the world economic position. These effects flow into our capital markets. Interest rates, unemployment, government management, consumer demand, industrial stability and regional conflicts all affect our markets.
- Like most countries, Australia can point to certain indicators of financial health eg. Changes in inflation rates; the consumer price index; the rate of unemployment; the level of new investment; the increase/decrease in our overseas debt; rate of imports; stock market index; value of currency etc. All these indicators combine to identify trends in our financial markets.
- Internal funds are generated from monies furnished by the owners of the business. If a business is successful financially, the owners may decide to leave some or all of the profits from operations inside the business. These are known as retained profits. A large, old and well-established business may have several hundred million dollars in retained profit. A new small business may have little or no retained profits.
- When business owners decide to borrow , they must obtain the funds from external sources. Short term funding refers to borrowing likely to be repaid within one year. Long term funding refers to borrowing that will be repaid over a term as long as 10-20 years. Mortgages (loans secured by real property or business assets) and debentures (loans from the general public) are commonly used to meet long term funding needs. It is important not to confuse sources of funds (eg banks) with types of finance (overdraft, mortgages).
- Factoring allows businesses to obtain external funds by selling their accounts receivable. Factoring occurs when businesses allow credit in payment for merchandise. The factoring company charges the business a small fee and the business has the advantage of receiving an immediate credit in its bank account. As factoring has become a more common business practice, businesses specialising in factoring have been established in Australia.
- Borrowers need to take care that they will be able to repay the borrowed funds during the life of the intended business expenditure. For example, short term borrowing via on overdraft to fund and expected 90-day cash shortage is considered acceptable business practice. However, taking a long-term mortgage to fund the same expected 90-day cash shortage is generally not considered sound management.
- Philosophies vary about the right combination of debt and equity finance. If the business is unable to repay the debt, including principle, interest and associated charges, creditors may take control of the business. Too much debt financing can mean that all stakeholders are at risk.
- Gearing refers to the percentage of funding that is borrowed against an asset or the total assets of a business. The greater percentage of funding that is borrowed, the higher the gearing ratio. In most cases, a business is unwise to owe more than it owns.
- Both balance sheets and revenue statements are normally prepared at the end of the financial year. They are designed to answer two questions:
- Is the business profitable (from the revenue statement)
- What is the business’s financial position (from the balance sheet)
- The accounting equation (A=L+OE) , from the balance sheet is also expressed as (A–L=OE). For example of the assets of a business are sold for 0 000 and the owners repay all liabilities of 000, the remaining 000 is what the owner gets to keep – that is, the owners equity
- Current ratios range from 0.6:1 to 3.0:1, depending on how easily inventories and accounts receivable can be converted to cash, and how quickly cash flows in from a sale.
- The higher the debt to equity ratio, the higher the risk for creditors and owners. Solvency (gearing) ratios, like liquidity ratios can vary widely, from debt free to over 300%. A gearing ratio below 100% is usually considered safe or conservative.
- Generally the higher a businesses gross profit ratio, net profit ratio and return on owner’s equity ratio , the better for the business. Profitability ratios are typically starting points for evaluating businesses.
- Efficient managers work to lower expense ratios by monitoring and cutting costs wherever possible. Conversely, they seek to raise accounts receivable turnover ratio by establishing realistic credit policies and monitoring credit collections.
- Ratios allow analysts to compare a business with other similar businesses. Through ratios analysts can also examine the operations of any business over time, or compare a business with a benchmark .
- Both financial reporting and ratio analysis, however useful, have limitations. One business may legally use a different accounting method of its competitors. Another business may value its goodwill differently. The true value of assets may be understated on balance sheets because of historical cost accounting . Analysts need to be wary.
- The term working capital refers to an actual dollar amount. Most businesses need more current assets than current liabilities at all times. A key management responsibility is to ensure the business always has enough working capital to pay for the continuing operating costs incurred by the business.
- The relationship between current assets and current liabilities is often expressed as a ratio.
- A business’s current mix of payables, short-term loans and overdrafts is also largely controllable. Businesses that do not control the mix of their current assets are likely to experience liquidity problems – that is, they will not be able to pay current operating expenses. This commonly occurs when managers allow accounts receivable to become overdue.
- A business’s current liability mix of payables, short-term loans and overdrafts is also largely controllable, and is another important responsibility for managers. Normally, businesses that allow their current liabilities to become greater than their current assets are asking for trouble because creditors, such as telephone companies and suppliers, are likely to stop extending credit when accounts are not paid on time.
- A common management trend is for businesses to manage or improve their dollar amounts and their ratios of working capital by lessening assets or by selling assets and then leasing them back. Factoring is the management strategy of selling accounts receivable, at a discount, to a third party in order to convert accounts receivable to cash. Effective ways to improve the quality of working capital are to improve the collection of receivables, install just-in-time inventory controls, have sales of excess stock and install cost control programs.
- Regrettably many businesses do not recognise the importance of checking cash resource daily . This is vital knowledge to enable creditors, wages, loans and other expenses to be paid. Cash will be tied up in receivables, inventories, or in other investments the business has made. The bank overdraft , usually secured, is intended to be a fluctuating account according to the needs of the business.
- Cash flow statements are presented to management monthly. They show the opening cash flow balance from last month, the total cash received from all sources, receivables , cash sales, proceeds for asset sales, loans received etc and the total payments made out, such as expenses , new inventory and loan repayments. The balance at the end of the month should be within capability of the business bank overdraft. A good cash flow statement should also show the value of receivables, inventory and ideally the sales last month to give a trend.
- Businesses may sell goods for cash or on credit . Management should have policies for checking customer creditworthiness and effective methods of collecting accounts. Customers who do not pay on time will tie up the cash in a business and can jeopardise the success of a business
- Suppliers who value large orders often may offer a discount for bulk purchase or for earlier payment. Discounts can be very effective in lowering the costs of a business, provided the business can manage its cash well. Management can also buy goods on extended terms whereby a supplier has agreed to allow the purchaser to pay over a set period by certain instalments at fixed times.
- Management should have other strategies to ensure the available cash in their business is effectively used. They may sell off idle assets, watch for wastage, and consider factoring and leasing.
- Large companies have found that special cost centres enable different managers to overview how costs are progressing against budget. Production, marketing, administration, research and development may be cost centres. A small business usually has one cost centre. All businesses need to minimise expenses and ensure a senior person is controlling expenses. Costs are made up of two types.
- Fixed costs – such as monthly rent, insurance and leasing charges that do not vary with volume or sales
- Variable costs – vary with the volume of business
- Revenues may be controlled by varying the sales mix and the target markets. As effective pricing policy meets or beats competition, seeks a greater market share and sells surplus stocks.
- Unconscionable conduct usually falls into two major categories; those practices that are illegal , either deliberately or through ignorance, and those practices that may be unethical , through the use of unacceptable actions, generally dictated by the society in which we live.
- Ethics is a set of principles by which our actions are judged by others. It is about how we make decisions to do the right thing and involves honesty, fairness, caring and courage to make the right decision. Businesses can sometimes have dilemmas in deciding between the interests of shareholders , staff, customers, the environment and the wider community.
- Public companies come under more scrutiny as they involve the investment of other people’s money. All public companies must have recognised accounting firm appointed as auditors, who must complete a full investigation of the accounting records each year. The audit report to shareholders is included in each annual report.
- All businesses must follow certain reporting conventions. The Australian accounting profession has laid down minimum standards that must be followed in reporting financial results. The audit report gives a true and fair view of the company’s financial position
- The corporations Law sets out the minimum criteria all companies must meet. Directors may be personally liable for breaches, and heavy penalties can be imposed. Proprietary/private companies must also meet these standards. Certain types of illegal conduct include, bribery, misuse of funds in the business, directors acting against the interest of the company, failure to declare conflicts of interest and continuing to trade while insolvent.
- The Australian Securities and Investment Commission is empowered to administer the Corporation Law and to ensure that all businesses meet their statutory obligations. Such statutory obligations include the duty to act with reasonable care and diligence, to ensure the correct payment of taxes, to act honestly in the exercise of their powers, and to report changes of address or company directors.
- Unethical behaviour is unacceptable conduct. Excuses are often used and rejected as reasons. Certain types of conduct such as asset stripping, giving gifts for favours, illegally obtaining information through others, disposing of waste in the wrong manner and taking advantage of staff, are all unethical and in certain circumstances may be illegal.
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Financial Investments question by stanleyjonesumberger: What are the best financial services (insurance, investments, banking, etc) for a Vegan?
Clarifications:
A Vegan is not from the planet Vega.
Veganism is not a diet; the diet is a natural consequence of Vegan values. If you’re unclear on the concept search the web or see http://www.veganvalues.org/
I want to do business with those companies that actively promote those values and avoid doing business with companies that actively violate those values or obviously just don’t care.
Financial Investments best answer:
Answer by pagan_earthgirl
If a being from Vega can afford to travel to Earth, then I am sure he/she/it would not need our financial services.
Filed under: Financial Investments · Tags: Basic, financial, Management, Principles
I’d like to use this photo in an article I’m writing about technical writers salaries. Is this accetable to you?
The photo is here: http://www.flickr.com/photos/37108241@N00/61056391/
My website is here: http://www.thecontentwrangler.com.
Thanks for your consideration. Scott Abel
abelsp@netdirect.net
Hi,
Cool picture! I used it on the Yahoo! Answers front page to complement a question in the Featured Content module.
Jasmin
Yahoo! Answers Editor
Hi! I used your photo in my blog located here:
technotuesday.edublogs.org/2007/07/31/does-everything-hav…
If I knew your full name, I would use it in the citation found at the bottom of the post. If you would like me to add it, please contact me at
cathyjonelson -at- gmail.com
Beautiful shot. I’m also using it in a blog entry. Mine’s about how my salary sucks. LOL. Full attribution with link-back, of course.
Thanks!
How do I get a high res, large version of your photo?
I may use it on a book cover, screened back as a background.
Thanks!
Madeline
I think that if you click on All Sizes and then on Original, you’ll get a pretty big image. Otherwise, you can also find this image at stock.xchg (a website for free stock photography) at the following URL:
http://www.sxc.hu/photo/396185
Hi Tracy O ,
Cool photo! I used it on the Yahoo! Answers front page to complement a question in the Best of Answers module.
Jasmin,
Yahoo! Answers Editor
I got that much in my pocket,
I’m using this for a blog post at http://www.serviceuntitled.com. It should be up on Monday. Great shot!
Thanks. I appreciate the head’s up!
Tracy,
It’s up here: http://www.serviceuntitled.com/getting-more-from-low-wage-employ...
Hi Tracy,
Thanks for making this photo available! It’s perfect for an article I’m writing on investing. If you’d like your name published with the photo, please contact me directly at heather@enermaxinc.com
Thanks again!
Heather
Many thanks for taking such a great image. I recently used it (with credit) on a post for PlanetSave.com
here: http://www.planetsave.com/blog/2007/11/12/sustainable-skincare-s...
Thanks for taking such a great picture and making it available to everyone. I used on a quick summary of spending problems. Feel free to contact me at admin@dailysentry.com
This picture was exactly what I needed, thanks for taking it. I used it on my blog: http://www.fuel.tv/BlockedColon/blogs/view/1439. If you have any questions, please contact me: colinstutz@gmail.com
Thanks
yet another article using the photo:
http://www.dimsum.co.uk/china/china-needs-venture-capital-not-th...
thanks!
Hello,
I work for a website called Mahalo, and I used your photo on a page called "How to Save Money":
http://www.mahalo.com/How_to_Save_Money
Thank you for a great photo!
Mahalo!
Andy
Hi, I’m an admin for a group called Flickr "BEST" Pictures (Invitation Only), and we’d love to have your photo added to the group.
Flickr "BEST" Pictures
"We’ve Got The World In A Frame"
5 Stars of Excellence Award
"Our Stars Shine All Over The World"
Hi, I’m an admin for a group called http://www.flickr.com/groups/63543126@N00/, and we’d love to have your photo added to the group.
Very nice! I hope the money was yours to keep!
I used the picture on my blog at http://www.greengoldrush.org/general/55-general/88-green-industr....
Thanks!
Great Photo!!!
Can i use on my Site for background ?
Thank You!
Feel free to use this image.
Hi, I have used the image on my blog also, it’s right here:
liastelea.wordpress.com/2008/01/06/cum-sa-iti-gestionezi-…
Thanks!
Hi. I wanted to let you know that I’m using this photo, in accordance with the Creative Commons License, on my blog: weeklymobilegoodies.blogspot.com
Thank you for sharing this image under a CC license.
I have put a modified version at flickr.com/photos/lloyds-screenies/2218562235/ and used it in foolswisdom.com/dollars-forex-stocks-gambling/
foolswisdom:
I’m glad to see that you and others have found my image to be useful. I’m okay with you posting a portion of my image on Flickr because you have attributed authorship appropriately.
Robert Bigwheel and everyone else who has posted nice things about this image:
Thank you!
Thanks for using the cc license. We published it at http://www.greenchange.org/article.php?id=1663. Have a great day.
Thanks for sharing this great photo. I used it for an article on the Bizlift Blog.
Hi, I’m an admin for a group called Awesome Pictures, and we’d love to have your photo added to the group.
I would like to swim in money like!!!!
May I use this in a presentation with full citation back to you? I see you have a CC license.
Thanks!
I used it in my blog post about how much I spent on movies in 2007
the-reviewer.net/2008/02/19/the-cost-of-the-reviewer-2007/
This is a great photo! I have the perfect blog post to accompany it. I will forward our readers to this page. Check out your pic in action: http://www.marksdailyapple.com
Nice picture
Great photo – I used it to accompany a blog post on Fundable.org for UrbanMinistry.org’s homepage – http://www.urbanministry.org/fundable-web-based-fundraising-smal....
This image was used on the Health Care Reform Now! blog, a companion to the new book by George C. Halvorson. You can view the post at this URL:
healthcarereformnow.blogspot.com/2008/02/health-care-2017…
If you wish any changes to the attribution please notify us so that we may implement them. Thanks!
Thank you for letting me know and for crediting me for the image. The way you have attributed the image is just fine. Cheers!
Hi!
I know this photo is now almost everywhere, but I do not care. This is a very interesting one that I cannot resist but include it on my latest post, of course with credit given to you.
Hope you like it!
Thanks!
wherebloggersandhumansmeet.blogspot.com/2008/03/how-to-sp…
I’m using this picture on my blog on the Wall Street Journal, too.
Thanks.
Ben
blogs.wsj.com/biztech/2008/04/03/the-threat-of-free/?mod=…
Great photo, thanks for sharing!
We are using it on our election related site, here http://www.electionunspun.org/issues/money-and-politics/46-money...
Thanks again for sharing.
I’m glad you were able to find a use for my photo. Thanks for letting me know!
I would like to use your photo on my webpage. Would it be ok if I put you in my links page?
http://www.premierprizepools.com
Please feel free to use my image. If you provide image credit, please use the name Tracy R. Olson. Under no circumstances may you attribute the origin of the image to any other photographer or group.
Nice.. Now lets make MORE money! http://www.abunzaguy.com
I’ll be using the photo at yamm2.com/yamm2/ and you will receive full credit.
By the way, when I pasted the picture in Photoshop, it displayed a notice saying that PS doesn’t "support the printing of banknotes" :-O Wondering how it recognizes this.
Hey there Doc.
I was going to use this image for my film blog at http://www.talkie21.com/blog
If there’s any problem just give me a shout out. Thanks
BlowedUPtruck…
Go ahead and use the image with my blessings. My only rule is that you do not attribute the creation of the image to anyone other than me.
Cheers!
Hi, I’m an admin for a group called Where are we going?, and I’d love to have this added to the group!
Please consider adding this photo to my group — it would make a great hint for my wife.
Hey Tracy.
LOVE this pic. Reminds me of a puzzle box cover only better. It’s so sharp….
Anyway, loved it so much I used it on a hubpage. The attribution I used is "Tracy O at Flickr" I’d be happy to change it if you’re unhappy with that…
Please check it out and lemme know.
hubpages.com/hub/affiliate-marketing-for-dummies
Again, amazing job… money never looked so good.
Best Pic I’ve found so far…Nice!
Used it here
hai,
i am a new user for this site.
money is wanted one in this world.
without money ,anyone don’t watch us.
money is needed one in this world.
thanks.
==========================
jim2008
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thanks for posting under a CC license. I’m using your image here: newprotest.org/details.pl?1109
Thanks Tracy….Used it under the CC license at myblogisnotforyou.blogspot.com
Thank you to all who liked my image and used it. And thanks for letting me know and providing attribution.
I am seen this site already. I am getting some new pictures on this site. It is really new. I am getting much money. I am bought a lot of materials displayed in this site. But I have money yet.
===============
Lee
————————–
Just got a lovely white leather sofa and I’m really surprised how it brightened up my room!
white leather sofa
I have used your image in my latest blog entry:http://www.firefighter-blog.com/blog/2008/07/10/how-much-is-my-time-worth/
Cash!
ummmm……I seen this photo on other websites, you probably just copied it from there so I dont know why people gotta ask you permission for shit!
LOL… I have no doubt that you have seen this photo on other websites. If you take a look at all the previous comments, you will see lots of examples. Yes, I took the photo myself. I don’t care if you believe it or not. All the same, I have proof that the image is mine. I can show a chain of custody going right back to the date the image was taken with my Canon G6 camera. I also have the photo posted on a stock photography website (which is where the photo made its first public appearance). This is all easily verifiable. I also have the original, full-sized photo, as well as several other images from the series that I feel didn’t turn out quite as well. This has been a wildly successful photo for me and frankly, if you don’t like it, too bad.
Still, your accusation is a bit of a compliment, in a way.
Hi, I’m an admin for a group called Making Money, and we’d love to have this added to the group!
I would love to use your photo on our blog at http://www.collegecoaches.net. We are doing a story about the cost of college.
Thanks,
Kevin
I wish I had that much to spend
Very, very nice picture!
You get a (nonexistant) award from me!
(Sorry, no cash from the award.)
So much green, it’s like a forest…lol. Thanks for making this picture CC licensed, I used it on my blog post here about artistic integrity: http://www.keyofgrey.com/?p=236
Thanks!
Sean
Hi Tracy thanks so much for making this great picture available for use. It is currently being used on the NewsTrust.net homepage in conjunction with our feature on good journalism on Money and Politics.
Thanks!
Kaizar Campwala
Associate Editor, NewsTrust
Hi Tracy,
I’m editing a bit and use it for my post at http://www.sayzlim.net
Hi i used your photo to illustrate an article about how the UN is financed. The website is not up yet so I can’t give you the link. But thank you.
This photo used in http://www.NewscastLIVE.com video podcast, show #5 DRM
this is like nothing i make 100 times this amount every year!! at my new job im gorge lopezs daughter sometimes hes really mean to me!!!
Great photo! I used it in my blog post about ETFs, hope that’s ok with you.
renaissancetrophywife.wordpress.com/2008/09/22/etfs-every…
Hi,
Can I use it in my slide show on money and fundraising?
Laurie
Ihrainmkr: Yes, go ahead and use the image in your slide show with my compliments.
Wow – nice to have that much money to spread out, in the first place.
Great shot!
We published to illustrate our news.
Bello scatto!
Lo abbiamo pubblicato per illustrare la nostra notizia.
nice…..I like it! Now much?
I used this photo in a post on my blog. Thanks for using a Creative Commons license! http://www.kadavy.net/blog/posts/the-best-investment-you-can-make/
Great photo, I’ve used it in an article about the bank bailout bill and how it should have gone down. Thanks!
Hi! I used your photo in Yahoo! Answers Indonesia blog located here:
http://www.yanswersblogid.com/b4/2008/10/30/krisis-ekonomi-di-du...
I put your name on it and link back to your photostream.
I hope you don’t mind, thanks. If you have any question regarding this please email me at bangwin [at] yahoo-inc.com
hi! i’m considering to use your picture on one of my blogs. still dunno which one…
This is all easily verifiable. I also have the original, full-sized photo, as well as several other images from the series that I feel didn’t turn out quite as well. http://www.us-edrugstore.com
Hi Tracy,
I’ve used this picture for a travel blog post and linked it back to your profile.
swiftpassport.wordpress.com/2008/11/18/i-spyhidden-airlin…
Thank you for the awesome photo!
Hi Tracy,
Can I use this photo for my business success podcast on iTunes (non-commercial entity)? We’ll give photo credit to you on the show’s site. We have 10-20,000 listens per month.
Thanks,
Sean
Thanks. I used your photo on my first website!
you can view it here.
unclaimedcashportal.com/missingmoney.html
Thanks for the shot. I used this picture on my post Budgeting for Web Startup Dummies.
Hi, there. Great picture. Using it on a blog post about just having sold my house and feeling rich for a moment.
http://www.thesillyenglishkaniggit.blogspot.com
Thanks!
Hi, Thanks for making this photo available via CC license! I used it on a blog post.
Can I have IT?
Looks like you had a successful shot here! I’ve tagged it because I’m doing a New Year’s resolution board…. can’t hurt to set this for a goal, eh??
Hi! I am using this picture as awalppapermon my phone my brother has it too. We use it as inspiration. Thanks a lot. If you don’t want me to use it just email me.
Hi, there. Great picture. Using it on a blog post about applying for a restaurant jobs.
http://www.restaurantjobboard.com/blog/2009/01/02/tell-them-what...
thanks.
THANK You I added it to http://www.blackplanet.com
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Nice image. Thanks for making it available.
Thanks so much for the CC. I used this as my background on Twitter. Check it out: twitter.com/BnkrptcySrvivor. I credited you in my bio. Let me know if this ISN’T ok, and I’ll take it down. But it looks really sweet, so I hope you don’t make me take it down. Good work!
I used this here: http://www.brspoll.com/blog/?p=67. Thank you!
I used your picture for my article: http://www.examiner.com/x-1057-SF-Baseball-Examiner~y2009m1d22-I...
Thanks!
I used your image in a school presentation
Hi there
Quite a popular image you have here
Just letting you know we also used this image on our some of our Mahalo pages
Check them out
http://www.mahalo.com/How_to_Plan_for_Retirement
http://www.mahalo.com/How_to_Get_Your_Georgia_State_Tax_Refund
http://www.mahalo.com/How_to_Apply_for_Financial_Aid_at_the_Univ...
I used this photo for my article: esheep.net/125
Thank you.
Great picture. Would like to use in our small charity’s report. If you would like me to include a photo credit, please let me know asap how it should read and I would be happy to do that. swalsh1106@yahoo.com Thanks so much!
Hi Tracy! Awesome photo! I have also used it on the Lulu Blog http://www.lulublog.com for a post about marketing your book.
and the Lulu blog post your photo is featured in can be found here: lulublog.com/2009/03/19/buy-this-book/
Thanks for the awesome photo!!
Greetings,
Just to let you know we used your image on a Mahalo page "How to Get a Tax Refund Loan" Great photo! Thanks!
http://www.mahalo.com/How_to_Get_a_Tax_Refund_Loan
Hey.. Thanks for making it available.
I am using it in my blog http://www.savemoneyforbeginners.blogspot.com
Thanks.
Hi, I’m an admin for a group called health center, and we’d love to have this added to the group!
Beautiful shot. Using it on a blog post about just having sold my house and feeling rich for a moment. http://www.genericdrugs-rx.com/
You’ll need this for one of the many BBW’s on my page 4Sure!!!!
Hello, I wanted to inform you that I will be using this on my website, http://www.saveonretail.net and will give you credit on my site. Thank you for allowing this picture.
using this image as part of a church announcement sheet.
Cool Photo ! I used it as a background for my twitter account, giving attribution of course… Thank you ! twitter.com/megasafemoney (my very 1st tweet gives the attribution plus a link).
Tracy: Can I use this photo in a small charitable brochure? I
Thanks for letting me know. smarek1106@yahoo.com
Hi!!
Your photo did not make the cover of Time (yet!), but it did make the cover of my book, "To Market To Market: Where to Sell or License Your Ideas, Products and Inventions."
If you would like, check it out, you can find it at Amazon.com: http://www.amazon.com/Market-Where-License-Products-Inventions/d...
Barnesandnoble.com: books.barnesandnoble.com/search/results.aspx?WRD=to+marke…
or at
http://www.wheretosellyourideas.com
Thank you so much!! I have included your name and link inside my book, crediting you for the cover photography.
Thanks again!,
Julie Momyer
Hi, i used your photo on my first website!
you can view it here.
news – my twitter profile
Great photo! I used the image in a blog post I did at
http://www.sandcastlemomma.blogspot.com
Hope you don’t mind and if you want me to remove it you can contact me through the blog adress given above.
Thanks!
Hi, great picture. Using it on a blog post about just having sold my house and feeling rich for a moment. http://www.genericdrugs-rx.com/
HI
I’ve used your picture to illustrate this webpage : http://www.lescedres.com/index.php?option=com_content&view=c...
It’ll appear on Thurs 30 April
Many thanks
Cathy
hi
Just wanted to let you know that we used this image on our ‘How to Wire Money to Canada’ page in mahalo.com
Check it out:
http://www.mahalo.com/How_to_Wire_Money_to_Canada
Thank you!
add me to the list!
bucknakedpolitics.typepad.com/buck_naked_politics/2009/05…
I linked to the photo page, your photostream, and the CC license
Hi
I just wanted to let you know that we used this image on our ‘How to Find Grocery Coupons’ page in mahalo.com
Check it out:
http://www.mahalo.com/How_to_Find_Grocery_Coupons
Thank you!
I amusing this picture in my final rapport at school due 25th of May 2009.Gjøvik University Collage, in Norway
Great picture. Thanks
SA
Popular photo! I also used it on my blog about Mortgage rates…I did link your flickr page to it. …..Thanks! Cindy
childrenscharitiesundressed.neighborhoodsundressed.com/20…
Everyone love money
I want money on trees
Hi. Using it on a blog post about just having sold my house and feeling rich for a moment. diabetische.blog2blog.nl/
Hey there, just wanted to let you know we also used this image for ‘How to Swap Coupons’ article on Mahalo.com.
http://www.mahalo.com/How_to_Swap_Coupons
Thanks
I liked this one so much, I included it on my blog: davidrheins.blogspot.com/2009/06/heaps-of-money-free-on-w…
Hi Tracy! I used this photo on my blog about cd rates. You can see it here,
topicsonearth.blogspot.com/2009/06/finding-best-cd-rates….
Thank you very much and more power!
Hi Tracy,
I used this photo on my blog about Is Money Everything to Live a life?
http://www.livelifefullest.com/spice-out-your-life/is-money-ever...
Thanks! The photo come in just right for my post
I used your picture in my Blog: http://www.kostrolaw.com/NJFamilyIssues/2009/07/16/the-court-may...
Thank You.
Hi, I’m an admin for a group called It’s All About the Good Life! :0) (Invite Only), and we’d love to have this added to the group!
Hi, Cool Picture. I just used it on my blog and sent a link back : http://www.turckstrategiccommunication.com/blog/could-your-compa...
Hey I produce a web video show called The College Buzz for Bellarmine University and I may use your photo in an upcoming episode. Let me know if this will be a problem. Thanks!
We used your picture on this post for English learners in Japan. Thanks for making it available. If you would like, please also add your image to the group: As Seen On Poligo.
Thanks for your photo :] I think it’s really pretty. I used it for a school project about financing and stuff. Hope that’s okay to you :]
Money shot! We used it on our public radio talk show, Think Out Loud, to illustrate a show on profiting from health care.
Check it out here:
http://www.opb.org/thinkoutloud/shows/rx-profiting-sickness/
Thanks again!
Allison Frost
Senior Producer, Think Out Loud, OPB Radio
A great image. I’ve used it to illustrate my article: 10 Free Ways to Make Money Online
I’ve given you attribution and put a link back to your page, from near my comments box.
thanks for sharing!
this guy is full of bs, i took this picture its been on my myspace page for 2 years, i took this picture in 2007. but your welcome to everyone who used it. that guy is broke and a liar
i cant figure out how to send you a message, but you know damn well you didnt take this picture, i took it. its on my myspace and you can look at the date on it, i guarantee its the earliest date the picture has ever been used
too great an issue, thank you
http://www.sohbethiphop.com
What an excellent picture! I’m thinking about using it on our site: http://www.millionaire-lobby.com
Thanks for making this available! I used it on our blog: policypathwayspa.blogspot.com/2010/01/tax-credits-what-fa… . Your credits are listed at the bottom of the post.
Hi, I used your image here: blog.gaucho.com/ways-for-small-businesses-to-save-money
Please let me know of any problems, and thank you.
Just wanted to let you know that I used your photo on my blog about income at home.
Thanks for the great photo!
- Andy
i love this pic that’s why i added it when i write my essay and college essay
I think its great that you found my money, I was worried that I wouldn’t get this money back. You can contact me and of course I will give you a finder fee, you can keep $20. With this money I am going to buy articles and also work on promoting articles Please contact me soon so I can back to my article marketing goals..Thanks! Philip
I used it as a wallpaper for my laptop.
Nice picture. Crisp and clear!
So what the matter here? Anyway, can you provides me a source for an antiques sites?
Thanks!
antique pottery | antiques collectibles
ou man.., I’ve never seen an article like this.
It was very nice reading it.
tracy_olson is awesome!
keep up the good work, I’ll definitely come back to tracy_olson!
buy foreclosed homes
How can you not like a picture of money. Just stare at it and dream away…
Thank you for allowing the use of this picture. I used it to publish an article here:
http://www.examiner.com/x-52257-Lansing-Workplace-Issues-Examine...
Nice picture and thanks for sharing. I used it in a presentation about our Green IT policy. Soon available on http://www.slideshare.com/swissITbridge .
Thank you so much ,great place.http://www.walk-in-tub.org
I used your picture for my article:Antique Oak
Nice Picture. Thank you for sharing it. We just used it for a post on our blog.
Hi, Tracy! Great photo. I’m using it today (with proper attribution) for a post to be published on footnoted.com. Thanks for sharing it!
Tracy, I’m going to use your photo in my article on Suite101.com about Index Annuities.
I’ll attirbute it to Tracy Olson at Flickr
Very nice photo, by the way!
i hate most money shots but you know how to do it right. LUV it! i will be using it for enchantmentandopportunity.com on the front page when the design is done. THANKS
using it in a blog about ROI for Asset Management. Will let you know when its published. Full attribution and links of course
Tracy, your very popular money photo is today’s centerpiece picture on our food microsite at http://www.roanoke.com/food.
Thank you!
Lindsey Nair
Food writer
The Roanoke Times/ http://www.roanoke.com
Roanoke, Va.
Used this photo for an article at MarylandReporter.com. http://www.marylandreporter.com/page5504421.aspx
Nice photo. We featured it here: geniushabit.com/1238/how-to-save-hundreds-of-dollars-a-ye…
Great shot! We’re going to run it in our upcoming Issue of Harmony Magazine. Thank you for sharing your talent so freely!
Hey Tracy! I LOVE this picture. I’m using it in an upcoming site and will be giving credit to you as soon as we go live. Thanks!
Hi there,
May we use this photo as a background in our middle school yearbook? We are located in Taipei, Taiwn.
Thanks, Leanne
Thank you for posting this to the Creative Commons. We have used the image to illustrate an article on world currency wars on our website.
http://www.canadaandtheworld.com/currencywar.html
Great picture…Used it on one of our articles. Here it is:
http://tossitaround.com/columns/beers-a-dogs/8857-to-pay-or-not-to-pay.html
Thanks.
Great pic. I wrote an informational article on Blogging. I thought your pic was perfect. Of course, I gave credit to you with a link back to this page.
Here is the link: hubpages.com/_38tmrc5rnkb2i/hub/You-can-make-money-by-blo…
Thanks again.
Hi,
Cool pic. I would like to use this in one of my blog posts. Here is the link to my blog.
tilakmuvva.com
Once again, thanks for the picture..
Cheers!
Hey Tracy,
Cool pic. Thanks for sharing such a wonderful pic. Used it on my personal blogging site..
tilakmuvva.com
Thanks again..
Cheers!
I used this photo in my article: http://www.suite101.com/content/five-ways-to-build-a-passive-inc...
i would love to use this picture
Hi,
I used this picture on my website : http://www.socialsport.fr
nice
World News
Metin2 Hilesi
Tek Link
Great picture! I used on my blog: familysynergy.wordpress.com/2010/12/29/the-10-most-import…
Hello!
I used this photo on my blog:
http://www.linguatrek.com/blog/2011/01/things-i-love-about-polan...
I attributed the photo to you and included a link back here in the image caption. Please let me know if you would like it attributed differently.
Thanks for sharing!
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Great photo. I work for AAA Mid-Atlantic and we used this as one of our header images for the community:http://community.midatlantic.aaa.com/
Since the image credit was going to be obscured, I put the credit here. Please let me know if that is OK! community.midatlantic.aaa.com/t5/Community-FAQ/Links-for-…
Must have book for new investors,
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