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Top 100 Baby Names And Helpful Tips To Consider When Naming Your Baby
Are you an expectant parent anxiously waiting for that little package of joy? Yet, you and your spouse are still looking for that perfect name? Well...fret no more! The list of the top 100 baby names may be the answer to your prayers. Searching for...
Top 7 tips for reducing spam
You may publish this article, free of charge in your e-zine or any publication. The article must be published in its entirety, unedited, without any changes to its content. You may format the article to fit your requirements. The resource box at...
Top Nutritional Tips To Support Healthy Hair Growth
1. Eat adequate amounts of protein.
Protein is composed of the amino acids essential for the building of new cells, including hair. Five amino acids are of particular relevance to hair growth - cystine, cysteine, methionine, arginine and...
Wedding Reception Music - Top Tips on Enhancing Your Wedding Drinks Reception and Wedding Breakfast
Setting the mood for a celebration
The drinks reception after the wedding ceremony is a time for
congratulations all round. Musicians striking up as the newly
married couple and their guests arrive sets a buoyant mood from
the...
Writing Personal Statements - Top Tips
WRITING THE PERSONAL STATEMENT TO GET INTO UK UNIVERSITY
HOW DO YOU DO IT?
And the only way to do that has been largely ignored or is unknown by most students.
The failure of the vast majority of students to get admission to their...
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Top Ten Tips for Improving Your Cash Flow
Cash is king—so they say. If you work for yourself or someone else, you need to be aware of ways to improve the cash flow. Budgeting and collecting are not glamorous but they are both key to having a successful business. Working in a successful business is much more fun than working for a struggling one!
1. Stick to your budget. (If you don’t have one, make one now.) The budget is part of a business plan. You want to know exactly how much to spend on each large item you purchase and when you will have the cash to do it. Your cash flow projection coupled with your forecast will give you the proper timing for making purchases. The items you have budgeted for should also be part of the business plan.
2. Bill your clients regularly. Many business owners are so busy selling to new clients that they forget to invoice the clients they have already worked with. Put the task of billing your clients on your calendar and then stick to that schedule.
3. Get a retainer for your services before you begin the work. If you are going to be working with a client over a period of time, you will want to request some money up front before you begin to deliver the service.
4. Give a discount for early payment. You will be able to collect the money more quickly if you offer a discount for prompt payment.
5. Accept a credit card for payment. Although you have to pay the credit card company for this service, having the convenience of a credit card allows the client to pay immediately. Collection is now the problem of the credit card company.
6. Use your own credit card
to finance purchases but do it cautiously. If the interest rate is low and you can pay the credit card company back relatively quickly, credit cards are often a good way to even out your cash flow.
7. Establish a line of credit with a bank. This is relatively easy to do so long as you have good credit and it gives you a cushion of cash when things are tight. Sometimes the bank will offer a really good rate to encourage you to become their customer for other banking services.
8. Put the cash that you have on hand in an interest bearing account. No reason to have cash sitting in an account that doesn’t accrue much interest. As cash grows consider money market accounts, CDs and savings accounts.
9. Pay your outstanding bills judiciously. Notice which vendors are willing to wait for payment and which will charge you interest if you are late. Schedule payment to maximize the cash in your account.
10. Consider getting an expert to watch your cash flow. Have someone (financial advisor, accountant, bookkeeper) available to run financial reports each month so you know exactly where you stand in your business.
About the Author
Alvah Parker is a Business and Career Coach as well as publisher of Parker’s Points, an email tip list and Road to Success, an ezine. Parker’s Value Program© enables her clients to find their own way to work that is more fulfilling and profitable. Her clients are managers, business owners, sole practioners, attorneys and people in transition. Alvah is found on the web at www.asparker.com. She may also be reached at 781-598-0388.
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