Kaunsa risk sabse zyada related hai company ki ability se, jab wo apne short-term debt obligations ko operating cash flows se meet nahi kar paati? 💼💸 Option: Credit Risk, Market Liquidity Risk, Funding Liquidity Risk, Volatility Risk

Ye risk hai **Funding Liquidity Risk**! Iska matlab hai company ke paas cash ki kami ho jaana. 💸😰 - Jab company ke paas short-term bills pay karne ke liye cash na ho - Operating cash flows se debt obligations meet na kar paana - Ye risk company ko financial trouble mein daal sakta hai - Yaad rakhein: ye sirf cash flow ki baat hai, company ki overall financial health ka nahi Funding Liquidity Risk = Company Ka Pocket Money Khatam Ho Jaana 😅💼

Credit card companies cash advance fee charge karti hain kyunki... drum roll please... 🥁 **Upar di gayi saari wajahon se!** Ye fee ek teer se teen nishane maarne jaisi hai: 1. **Cash Nikalne Se Rokne Ke Liye** 🚫💰 - Companies nahi chahti aap credit card se ATM jaiso use karein - Unhe lagta hai, "Bhai, credit card se shopping karo, cash ke liye debit card use karo!" 2. **Processing Costs Cover Karne Ke Liye** 🏦💻 - ATM networks, handling charges, sab kuch cover karna padta hai - Ye unke liye "paisa vasool" karne ka tarika hai 3. **Risk Ko Balance Karne Ke Liye** ⚖️🎰 - Cash advance mein default ka risk zyada hota hai - Companies sochti hain, "Agar ye paisa doob gaya, toh hamara loss cover ho jayega" **Yaad Rakhein:** Cash advance bohot mehengi padti hai! Interest bhi zyada hota hai aur ye fee alag se. Isse bachne ke liye, emergency fund rakhiye, taaki aapko kabhi credit card se cash na nikaalna pade. Warna aapka wallet bhi cash advance fee ki tarah "advance" mein hi khaali ho jayega! 😅💸

**Overdraft facility** ek **short-term credit agreement** hoti hai: - **Kya karta hai?** - Aapko apne bank account se zyada paise withdraw karne deta hai - Ek pre-approved limit tak - **Kyu use karte hain?** - Short-term cash flow issues ke liye - Unexpected expenses cover karne ke liye - Temporary shortfalls handle karne ke liye Ye ek financial safety net ki tarah kaam karta hai. Jaise aap circus mein tightrope walker ke neeche safety net dekhte hain, waise hi overdraft aapke finances ke liye ek safety net hai. Lekin yaad rakhein, zyada der tak net pe latke rehna theek nahi, jaldi balance regain karna zaroori hai!

**Overdraft facility** ek **short-term credit agreement** hoti hai: - **Kya karta hai?** - Aapko apne bank account se zyada paise withdraw karne deta hai - Ek pre-approved limit tak - **Kyu use karte hain?** - Short-term cash flow issues ke liye - Unexpected expenses cover karne ke liye - Temporary shortfalls handle karne ke liye Ye ek financial safety net ki tarah kaam karta hai. Jaise aap circus mein tightrope walker ke neeche safety net dekhte hain, waise hi overdraft aapke finances ke liye ek safety net hai. Lekin yaad rakhein, zyada der tak net pe latke rehna theek nahi, jaldi balance regain karna zaroori hai!

Arre mitr, **financial safety net** to zindagi ka kavach hai! 🦸‍♂️💰 - Jitni jaldi shuru karoge, utna hi acha. Chahe 100 rupaye hi bachao, par shuruat karo! - Ye fund aapko unexpected kharcho se bachata hai, jaise achanak naukri chali gayi ya koi bimaar pad gaya - Yaad rakhiye, choti choti bachat se hi bada fund banta hai Toh aaj se hi shuru ho jao, warna life ka roller coaster aapko neeche gira dega! 🎢😅

**Emergency fund ka main maksad hai aapko unexpected kharcho aur financial setbacks se *bachana*!** 🦸‍♂️💸 - Ye aapka financial *superhero* hai, jo musibat ke waqt aata hai - Isse aap sudden job loss, medical emergencies, ya ghar ki urgent repairs handle kar sakte hain - Ye fund aapko financial stress se *free* rakhta hai Yaad rakhein, emergency fund aapka *financial airbag* hai - aapko sudden *jhatkos* se bachata hai! 🛡️💥