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why is the chromatic scale written differently going up and down!

Because it is chromatically written. There are lots of different types of scales in music. Some have seven notes, some have five, some sound happy and some sound sad. But, there is one type of scale that uses all twelve pitches in western music called the chromatic scale.

Explanation:

Holding cash simply as a financial reserve is referred to as the "speculative" motive.

Speculative motive refers to a strategy that is utilized by financial specialists/merchants to hold money to make the best utilization of any speculation opportunity that emerges later on. Keeping all cash contributed doesn't appear to be appealing constantly. Keeping up a decent lot of liquidity in one's portfolio is one of the best needs for n investor.
For the most part, financial specialists keep a decent measure of such money with them in order to acquire higher benefits.