the 2017 balance sheet of kerber’s tennis shop, inc., showed $2.45 million in long-term debt, $730,000 in the common stock account, and $6.15 million in the additional paid-in surplus account. the 2018 balance sheet showed $3.65 million, $925,000, and $8.25 million in the same three accounts, respectively. the 2018 income statement showed an interest expense of $210,000. the company paid out $570,000 in cash dividends during 2018. if the firm's net capital spending for 2018 was $810,000, and the firm reduced its net working capital investment by $135,000, what was the firm's 2018 operating cash flow, or ocf?

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan

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