What to do when a cash gap is coming
The forecast shows the card will be 20,000 ₽ short on 5 January. Five ways to close the gap on the same numbers, and what each one does to the money afterwards.
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ATMLAB Blog
Here we work through the problems that come up in handling money and technology. Where the usual methods break down, how the problem is built, and which approaches help solve it.
Finance and planning
Cash flow, financial models, cash gaps and ways to see the consequences of a decision before they become real.
Cash flow calculator: how to work out your future balance
Need to know how much money you will have in a month, six months or a year? We compare ways of calculating money movement on one real example and show where a simple calculator stops coping.
Read articleMortgage or rent: how to work out which is cheaper
A calculator shows the monthly payment and stops there. The real question is what happens to all your money over the next few years: when the mortgage closes, how much goes to the bank and what is left on the accounts along the way.
Read articleCash flow forecasting in Excel: where the spreadsheet ends
Excel is excellent for calculations and small financial models. The trouble starts when dates, dependencies and several versions of the future all have to be handled at once.
Read articleCash gap: how to see the problem before the money runs out
A cash gap does not appear when a business turns unprofitable. The money can run out before the next payment arrives. Here is how to see that moment in advance.
Read articleHow to build a financial model from scratch
A financial model is not only for reporting. It lets you check whether there will be money for future costs, how capital changes after a big decision, and where a chosen scenario leads.
Read articleProxies and networking
Checking proxies, anonymity, HTTPS, latency and the other technical details that matter once knowing it works is not enough.
A proxy substituting a certificate: what happens to HTTPS
HTTPS does not vanish from the address bar, the site keeps opening, there may be no errors at all. How a proxy intercepts HTTPS traffic, and why the lack of a warning does not prove there is no MITM.
Read articleProxy anonymity: what the target site actually sees
An anonymous proxy does not mean the site learns nothing about the connection. A look at the anonymity levels and the HTTP headers that identify the client and the proxy itself.
Read articleHow to check a proxy before you use it
Checking whether a proxy answers is not enough. What else you need to know before using it: geography, latency, outgoing IP, HTTPS, type, anonymity and signs that the traffic was altered.
Read articleProxy or VPN: how they differ and what to choose
A proxy and a VPN can both hide your real IP, but they solve different problems. A look at scope, encryption, speed and the cases where one fits better than the other.
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