Initial cash flow is the money available to a business project in its planning stages. It is usually a negative number as there is little or no income.

A mortgage is an example of conventional cash flow. Suppose a financial institution lends $300,000 to a homeowner or real estate investor at a fixed interest rate of 5% for 30 years.

Research has shown that regularly experiencing a flow state can be good for your mood, job satisfaction, and more. Here's how to set yourself up to get "in the zone".

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