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Sales turnover and net profits may follow a rollercoaster pattern familiar to most business but when the cash flow dries up the game is over. Urgent attention to the management of working capital can provide every business with the cash resources to exploit its potential Most businesses will experience periods of lower sales and times when losses may be incurred as expenses exceed sales income. The situation is recoverable by producing higher sales and reducing costs and expenses. A business that runs out of cash resources is dead in the water. Debtors and sales income management The objective is to obtain payment from customers as fast as possible improving cash flow and minimising the risk of bad debts and not being paid at all. Payment terms offered to customers should be clearly stated and fixed as standard accounting figures according to the amount of funding the business is prepared to offer its clients. Because that is exactly what credit terms to customers is, free cash fundin...

Whether you are planning to start a brand-new business, expand an existing company, or get financing for a business venture, you will need to write a business plan. A business plan not only lends your business a sense of credibility, but also helps you to cover all your bases, increasing your chances of success. Although writing a business plan can be a lengthy, intimidating project, it is not necessarily difficult. Here is an overview of how to write a successful business plan. What to Include in Your Business Plan Your business plan needs to demonstrate that you have thoroughly considered all aspects of running your business. To that end, the standard business plan has nine major sections, covering everything from your business’s mission statement to a detailed financial analysis. Executive Summary The first – and most important – section of your business plan is the executive summary. This section is so important that it should literally be the first thing the reader sees – even bef...

An economic downturn is a phase of the business cycle in which the economy as a whole is in decline.This phase basically marks the end of the period of growth in the business cycle. Economic downturns are characterized by decreased levels of consumer purchases (especially of durable goods) and, subsequently, reduced levels of production by businesses. While economic downturns are admittedly difficult, and are formidable obstacles to small businesses that are trying to survive and grow, an economic downturn can open up opportunities. A well-managed company can realize the opportunity to gain market share by taking customers away from their competitors. Resourceful entrepreneurs capture the available opportunities, from an economic downturn, by developing alternate methods of doing business that were never implemented during a prior growth period. The challenge of successfully navigating your business through an economic downturn lies in the realignment of your business with current econ...

So you’ve decided to blog, but aren’t sure whether you should host the blog yourself or sign up for a free service like blogger.com. It’s a dilemma that many bloggers face. There are pros and cons to both, which makes the decision difficult for many. Neither is perfect, and neither is for everyone. Fortunately, you should be able to make the best decision for you if you are armed with adequate knowledge of both. In this newsletter, we’ll go over services like blogger.com and others, plus software that allows you to host your own blog. We’ll also go over the pros and cons of each. After reading this, you will know which is best for you. Who offers free blog hosting? Many sites offer free blog hosting. Among them are Forumer, Blogger, BlogEasy, Aeonity, BlogThing and Blogates. A quick search for “free blog” on Google reveals many possibilities. What software can I use to host my own blog? Like free blog hosting, there are many possibilities for software that makes hosting your own blog e...

In the beginning Windows' registry consisted of two files totalling around 5mb in size. Today it consists of at least 12 files with the Software file itself being 30mb or bigger in size. As the size of the registry has exploded, so has the trash and clutter in it. It may seem like a daunting task, but cleaning the registry properly can fix system problems, speed your computer up, and make it run more efficiently. I have spent many years developing and refining thousands of procedures to do just that. I could share these methods of hunting down the trash with you and let you find them and delete them by hand, but if you were to sit down at your computer right now and work nonstop, you would still be busy with them a week from now when the next issue of Ray's Computer Tips arrives. By then your registry would have new clutter and you would have to start all over again. To make registry cleaning easier on everyone, I wrote a program called RegVac Registry Cleaner (http://regvac.co...

RSS is an abbreviation that has evolved into the following, depending on their versions: • RDF Site Summary (also known as RSS 0.9; the first version of RSS) • Rich Site Summary (also known as RSS 0.91; a prototype) • Really Simple Syndication (also known as RSS 2.0) Today, RSS stands for 'Really Simple Syndication', and it has the following 7 existing formats or versions: • 0.90 • 0.91 • 0.92 • 0.93 • 0.94 • 1.0 • 2.0 RSS tools refer to a group of file formats that are designed to share headlines and other web content (this may be a summary or simply 1 to 2 lines of the article), links to the full versions of the content (the full article or post), and even file attachments such as multimedia files. All of these data is delivered in the form of an XML file (XML stands for eXtensible Markup Language), which has the following common names: • RSS feed • Webfeed • RSS stream • RSS channel They are typically shown on web pages as an orange rectangle that usually has the letters XML...

It seems like every other month a new “program” comes along to make our lives that much easier. For example, first we could bookmark favorites, and then RSS feed them, and then came widgets and now “bots” which are robots that do a lot of our computer work for us in the background. Examples of friendly bots are weather bots, game playing bots, instant messaging and my favorites are those on AOL Instant Messenger which do all kinds of functions for me like shop, find movie times and even give updates on the Wall Street Journal. Unfortunately not all bots were created “equal.” Some are friendly and some are not. The ones that are not friendly can be a form of malware that allows control of your computer to be released, providing hackers with the opportunity to access your information and spread harmful bots to others. This type of computer virus can then be used to spread spam and commit various types of identity theft and other online fraud. So with new threats to our computers and info...

With Internet Explorer 8 now available, can Microsoft hope to retain market dominance over fierce open source rivals such as Mozilla's Firefox or the feature packed Opera web browser. Can history give us a clue to what the future of web browsers/browsing might hold? How did Netscape Navigator go from having a dominant 89.36% market share of all web browsers in 1996 and yet only 3.76% by mid 1999? Let us take a journey that will begin long before even the intellectual conception of Internet Explorer, that will glance at its long defeated rivals, examine the current browsers available and will end with a prediction of what the future of browsing will offer us – and which browser(s) will still be around to offer it. People often think that Internet Explorer has been the dominant web browser since the golden age of the internet began. Well for a very long time now it has indeed been the most popular browser and at times been almost totally unrivalled. This was mainly a result of it bei...