Tag: all

All Business Directory – Referring Sites #selling #business

#business list

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Rubl: Online Card and Board Games
Category: Internet & WWW
Online tournaments in gin-rummy, cribbage, and other games. Play for money prizes or for free against other people worldwide.
More Info – www.rubl.com

Sydney Marriage Celebrant: Lynette Gordon
Category: Weddings
Marriage Celebrant, Lynette Gordon conducts and creates wedding ceremonies, commitments and other occasions in Sydney, New South Wales, Australia.
More Info – www.sydney-celebrant.com

CorNu Enterprises
Category: Business Coaching & Consulting
Practical business management educational products. The materials are designed for self-paced learning. They are organized in bite sized chunks so busy people can absorb the information and apply the ideas immediately.
More Info – www.cornubused.com

Icon Disposable Gloves Plus
Category: Safety Products
Our mission is to provide small businesses and individuals with the best brand name safety supplies at prices that were previously only available to large companies.
More Info – icondisposableglovesplus.com

Sterling Wine Online
Category: Online Gifts
We are dedicated to providing the highest quality wine accessories, wine decor and wine gift items at competitive prices
More Info – www.sterlingwineonline.com

Lake Macquarie Dermatology
Category: Skin Care Products
Based in Toronto NSW Australia, we provide expert care for all skin related problems, as well as professional advice on maintaining and improving skin health and appearance. Our website will provide you with information regarding our practice.
More Info – www.lakemacquariedermatology.com.au

Heart2Heart Ceremonies: Marriage Celebrant
Category: Weddings
For your wedding ceremony on the Gold Coast Queensland, choose Marlee for unique and personalised ceremonies as your authorised marriage celebrant.
More Info – www.heart2heartceremonies.com

Direct Eyewear: Prescription Sunglasses
Category: Eyewear
Online provider of discount eyeglasses, reading glasses and prescription sunglasses. Our aim is to provide a quality product at an affordable price. Our prices are significantly lower than those of a retail shop because we charge a lower mark-up.
More Info – www.directeyewear.com.au

Rod Holder Depot
Category: Sports Retailers
Providing the top of the line quality rod holders and stainless steel marine hardware. Our mission is to make your on-line shopping as easy as possible and to provide top quality products and service every day.
More Info – www.rodholderdepot.com

Villa Ixtapa: Vacation Rentals in Ixtapa, Mexico
Category: Vacation Rental Properties
Vacation rental house for rent by owner on the Mexican Riviera, Pacific coast of Mexico, north of Zihuatanejo. Property with 3 bedrooms, 4 1/2 baths, sleeps 6. Private swimming pool. Daily rates and yearly lease available.
More Info – www.villaixtapa.com

Cyn’s Home Business: Ideas & Opportunities
Category: Home Based Business
Generate internet income with legitimate Online home business opportunities, turnkey internet business, Free home business tips.
More Info – www.cyns-home-biz.com

Alma Vista Stud: P.R.E. Spanish Horses
Category: Horses
Alma Vista Stud breeds on request and sells champion purebred Spanish P.R.E. – Pura Raza Espa�ola horses for breeding and riding.
More Info – www.almavistapre.com.au

Top Website Tips
Category: Web Design & Development
Providing the top tips for improving your website and tools to help you promote your website. Directory, article and press release lists to add free back links to your site.
More Info – www.topwebsitetips.com

EON Systems Inc
Category: Software
EON Systems billing, scheduling, practice management and EHR software makes managing your practice easy. Best with chiropractic, physical therapy and multi-disciplinary practices.
More Info – www.eonsystems.net

SteveConstable: Chicago Web Company
Category: Web Designers
Chicago web company that offers clients in Chicago web company services at an affordable rate.
More Info – www.steveconstable.com

Epis: Full service Investigaition, All Surveillance
Category: Investigation Services
Full service private investigation company specializing in Worker�s Compensation, Liability, Surveillance, Pre-employment backgrounds, including Personnel Issues, such as time card fraud, theft, substance abuse, and sexual harassment.
More Info – www.epis.us

Fusion Pearl: Exotic Pearl Jewelry
Category: Jewelry
Handcrafted pearl jewelry featuring Tahitian pearls, south sea pearls, akoy, abalone blue, and freshwater pearls embellished with precious metals and gems.
More Info – www.fusionpearl.com

Moore Lifestyles: Best Health & Wellbeing
Category: Health & Beauty Care
We have endeavored through our knowledge and resources to share with you what we have determined to be the most realistic and effective ways to achieve a wellness.
More Info – www.moore-lifestyles.com

Cedar Creek Treasures Online
Category: Gifts
We are an online store which offers a treasure chest of items at incredible savings. Visit us today for a great shopping experience.
More Info – cedarcreektreasures.com

EAI SIM Solutions
Category: Software
EAI SIM Solutions implement flexible and extensible Enterprise Application Integration solutions. We use open standard middleware technology for Identity and Access Management, enhancing internal security and accountability throughout the enterprise.
More Info – www.eaisimsolutions.com

BusinessSeek.biz Business Directory
Category: Directories
Find companies, products and services on this comprehensive categorized business to business directory. Offers free and paid submission services to the business sector. Allows the addition of extensive business information on all directory entries.
More Info – www.businessseek.biz

Football Boots Online: Sportswear
Category: Sports
Sportswear portal, the place where you can source big name products at reasonable prices. Find quality, world-class goods such as Nike Vapour football boots and Reebok football boots. So bookmark this site.
More Info – www.footballbootsonline.com

Vancouver Mortgages
Category: Mortgage Lenders
Looking for Vancouver mortgage and loan services We ll find you the best mortgages and loan rates for Vancouver city Contact our brokers today.
More Info – www.westernmortgages.ca

Healing Acupuncture Center of Austin, TX
Category: Acupuncture
Acupuncture is the holistic healing art of moving chi, life energy. Karen Nunley has years of experience in healing and pain remediation through acupuncture.
More Info – austinhealingacupuncture.com

Scotland In Oils: Scottish landscape Gallery
Category: Art Galleries
Oil paintings of Scottish Castles and well known landscape scenes are our speciality. Artists gallery, no middlemen, buy online direct.
More Info – www.scotlandinoils.com

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Cancun All Inclusive: Mexico Resorts & Vacations #inexpensive #all #inclusive #vacations #for #families

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Why All-inclusive?

The world class all-inclusive resorts in Cancun, Playa del Carmen, Cozumel and the Riviera Maya offer a variety of activities, entertainment, and cuisine, all for one price. No hidden costs. You pay for your all-inclusive resort accommodations, airfare, and transfers, and you don’t have to worry about carrying your wallet around with you everywhere you go, and you don’t have to budget once you get there. It’s economical, and makes for a worry free vacation. Even taxes and tips are included in the rates.

Why the Cancun Area?

Cancun and the Riviera Maya (coastline south of Cancun Mexico) have some of the nicest Caribbean Beaches in the area, extremely friendly accommodating people, and world class all-inclusive resort accommodations. Cancun is one of the most popular sun destinations in the world. Whether it is the hustle and bustle of the night life of Cancun, world class shopping, motorized and non-motorized water sports, exploring ancient Mayan ruins, scuba diving, relaxing with your favorite book and working on your sun tan, or the peaceful, serene solitude of the Rivera Maya, we have what you are looking for! And at an affordable price.

Why book with our company?

Cancun All Inclusive.com has taken the care to send all of our agents to all of the all-inclusive properties that we offer, so whatever your vacation needs, we are able to give you the information you require to make an informed decision for your all-inclusive vacation. Whether you are planning a wedding, honeymoon, last minute get-away, much needed vacation, family reunion, or incentive group vacation, we can offer exceptional accommodation rates, excellent customer service, and affordable airfare rates. Please take the time to browse our site and learn more about our all-inclusive vacations in Cancun, Mexico. We are sure you will see something that interests you.

Click on any of the links on the left hand side of this page, or to your destination of choice located at the top of this page for more information.

Click on link for information and to purchase Cruise, Tour and Travel Insurance.

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OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM

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Free Unlimited Hosting cPanel

Free Unlimited WHM Reseller Hosting

Free Domain Name !

Free VPS Hosting (90 Days)!

OHosti Powerful Features!

Free Unlimited Web Hosting Features :

Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

Why is Our Free VPS Hosting different than Shared and Dedicated?

With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

What is our free reseller hosting included?

Everything you need to get started is included in our Reseller packages for a single, no price (free) :

Free cPanel:
Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

Free Domains Resales:
Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

IMAP, POP, SMTP Email:
We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

Free Backups and Installers:
We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

Frequently Asked Questions?

Why is it all free on OHosti? How do you earn?

We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

How long will your hosting be free?

Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

What are your guarantees?

1. Our hosting will always be 100% free!

2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

Free Domain Name Privacy

Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

Your name will remain as the registrant contact so that you retain complete ownership of the domain.

You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

Create New Website?

Build your website in 4 easy steps:

  • 01 Login to Site Builder
  • 02 Select Web Template
  • 03 Publish to your hosting account
  • 04 Select web template search etc.
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The 100 Best Business Books of All Time – In The Books #sf #business

#business books

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The 100 Best Business Books of All Time


Thousands of business books are published every year Here are the best of the best. Now updated, with more than ten new books reviewed.

The 100 Best Business Books of All Time was written by two former leaders of 800-CEO-READ, Jack Covert and Todd Sattersten, with its current leader, Sally Haldorson. Originally published in 2009, The 100 Best is a guide to essential business reading for leaders, managers, and employees alike. If you want to grow, innovate, sell, lead, discover, and strategize, the books in The 100 Best are the ones to help you achieve your goals.

ABOUT THE 100 BEST

After years of reading, evaluating, and selling business books, 800-CEO-READ is the most respected expert on the category. Now they have chosen the 100 best business titles of all time the ones that deliver the biggest payoff for today’s busy readers.

The 100 Best puts each book in context, so that readers can quickly find solutions to the problems they face, such as how best to spend The First 90 Days in a new job or how to take their company from Good to Great. Many of the choices are surprising you ll find reviews of Moneyball and Orbiting the Giant Hairball. but not Jack Welch s memoir.

At the end of each review, Jack and Todd direct readers to other books both inside and outside The 100 Best. And sprinkled throughout are sidebars taking the reader beyond business books, suggesting movies, novels, and even children’s books that offer equally relevant insights.

This book will appeal to anyone, from entry-level to CEO, who wants to cut through the clutter and discover the brilliant books that are truly worth their investment of time and money.

Get a feel for the book. Get a feel for the book. Start with the introduction (download the PDF ). Then check out a review from both of us: with a review from both Jack and Todd:

And to get a feel for the layout of the book, check out the book’s “lost” chapter, which contains a collection of Industry book reviews. (Download the PDF )

ABOUT THE AUTHORS

Now retired, Jack Covert is the founder of and former president of 800-CEO-READ. now an independent company, but longtime partner of the Harry W. Schwartz Bookshops. Hired twenty-five years ago by the late David Schwartz to promote business and computer books to the Milwaukee business community, Jack used his considerable sales skills and innate business acumen to grow that 3-shelf business section into a 7 million dollar specialty business book retailer.

Todd Sattersten currently runs BizBookLab. a company that identifies, develops, and launches business books around the world from Portland, Oregon. Previously, he was president of 800-CEO-READ, spent six years at GE, and three years working with his father in the family sheet metal fabrication business. Todd received his BS in mechanical engineering from Michigan Technological University and his MBA from Marquette University.

Sally Haldorson is the General Manager of 800-CEO-READ and has worked for the company in many different roles for twenty years. She has an M.A. in English and Creative Writing, and lives in Milwaukee, WI with her husband and son.

THE CHAPTERS OF THE 100 BEST

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FirstBank Free Business Checking – Free Checking For All #business #acquisition #loan

#free business checking

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FirstBank Free Business Checking

Earnings credit not available on this account.

If monthly item volume exceeds 150 transactions, the account becomes eligible for earnings credit and the charges for items will be as follows.

  • Debits – Checks/Paper (ledger): $0.20
  • Debits – Automated Clearing House (ACH): $0.15
  • Credits – Paper (ledger): $0.30
  • Credits – Automated Clearing House (ACH): $0.20
  • Deposited Item: $0.10
  • Negative Average Collected Balance Fees will apply. Refer to the FirstBank Business rate sheet for more information.

Download our mobile app for Mobile Deposit, FirstGlance, Apple Pay and more.

Find your dream home.

Getting pre-qualified is the first step.

We’re Nearby.

Find the nearest FirstBank

Use Current Location

  • Unable to find your current location. Please enter an Address, City State or Zip below.
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All About Cash Flow #the #stock #market

#business plan outline

#

All About Cash Flow

While we are trained to think of business as sales minus costs and expenses, which is profits, we have to manage cash as well.

Although cash is critical, people think in profits instead of cash. We all do. When you imagine a new business, you think of what it would cost to make the product, what you could sell it for, and what the profits per unit might be. We are trained to think of business as sales minus costs and expenses, which is profits. Unfortunately, we don t spend the profits in a business. We spend cash. Profitable companies go broke because they had all their money tied up in assets and couldn t pay their expenses. Working capital is critical to business health. Unfortunately, we don t see the cash implications as clearly as we should, which is one of the best reasons for proper business planning. We have to manage cash, as well as profits.

A simple example
One of the best ways to understand the dilemma of cash vs. profits is to follow an otherwise-profitable company going broke because it can t meet its obligations. This is a quick and simple example. It also leads us into the relationship between income statement, balance sheet, and cash.

Start with $100, which we ll call capital. At the beginning of this exercise, your balance sheet has assets of $100—the money—and capital of $100. Assets are equal to capital plus liabilities. A summary of the simple financial statement at this point is shown in this first illustration, Starting Numbers.

If you buy a widget for $100 and sell it for $150, you should end up with $50 profit, which is what your income statement covers. Sales minus costs are profit. You should have $150 in the bank. Now your balance sheet shows the same $100 in original capital plus $50 in earnings, which are equal to the $150 you have in cash as an asset. The next illustration shows you how the financials work after the sale.

Buy another widget for $100 and sell it again for $150, and now you have $200 in the bank. Do it again, you have $250 in the bank. Your income statement shows sales of $450, cost of sales of $300, and profit of $150. The illustration shows your income statement and balance sheet at this point.

Adding some realism
Now go back a step and make the situation more realistic. For example, most sales of products to businesses go on terms, with the money due in 30 days. So if you sold that widget on credit you don t have $150 in the bank. You still have $50 in your bottom line, but now you have nothing in the bank. Instead, a customer owes you $150, which is what we call “Accounts Receivable.” Compare the Sell a Widget illustration to this next illustration, Selling on Terms. This is what really happens to the huge number of businesses that sell to other businesses.

Knowing you can buy a widget for $100 and sell it for $150, you get your Widget supplier to sell to you on the same terms you sell, net 30, instead of for cash. Now you have $100 that you owe to suppliers, which is called “Accounts Payable.” You also have $100 worth of widget in inventory. This gives you the case in the following illustration, Buying on Terms, in which you are now poised to sell another widget and make more profit.

You have an extra $100 in assets (the widget in inventory) and an extra $100 as liabilities (Accounts Payable), so you are still in balance. Also, you still have no money. Our next illustration shows the financial picture with sales to businesses on credit and purchase of inventory on credit as a short-term debt.

Now the case is more like what you have with real business numbers, in which you have to manage your cash very carefully, and the amounts sitting in inventory and accounts receivable are significant.

More realism: working capital
Even in the case of the above illustration, the example is completely unrealistic. Where are the running expenses, such as rent, salaries, telephones, or even advertising those widgets? How would they affect the cash situation? How far would we get if we couldn t pay the rent or the telephone bill while waiting for customers to pay us? Furthermore, what supplier would give us a widget on credit when we have no history and no assets? What bank would loan us money in this situation? Banks do loan against inventory and receivables, but only to a certain percentage of total value. What was missing here, all along, was working capital.

Important: In strict accounting terms, working capital is equal to short-term assets minus short-term liabilities. In real terms, however, working capital is the glue that holds your cash flow together. Get it into the bank before you need it, or you won t survive the unexpected.

The following illustration goes back to the beginning of this whole example and does it right, with enough capital in the beginning to finance the company.

Instead of starting with $100 as capital, this business looks a lot better with starting capital of $400. With this additional capital from the start, buying on credit and borrowing against assets is more realistic. In this scenario, working capital is up to $550. Now it has a proper input of working capital at the beginning. With even the barest of business plans, we could tell that $100 wasn t enough to get this business going.

I hope the theoretical examples help make the concepts clear. If you followed these illustrations, you can see some enormous implications for running a business.

Important: Every dollar in accounts receivable means a dollar less in cash. Every dollar of inventory is a dollar less in cash. Every dollar of accounts payable is a dollar more in cash.

How LivePlan makes your business more successful

If you re writing a business plan you’re in luck. Online business planning software makes it easier than ever before to put together a business plan for your business.

As you ll see in a moment LivePlan is more than just business plan software though. It s a knowledgable guide combined with a professional designer coupled with a financial wizard. It ll help you get over the three most common business hurdles with ease.

Let s take a look at those common hurdles and see how producing a top notch business plan sets your business up for success.

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Start an ATM Business – All Around ATM – Credit Card Processing – Toll

#atm machine business

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Just a few of the reasons to start your own ATM business with All Around ATM

We pay you 100% of the Surcharge
Own a franchise with no franchise fees
Each placement brings more income
A suprisingly small portfolio of ATMs can generate incredible revenue
ATMs offer you a reliable source of constant income
Manage your ATM Company from your home
Access all ATM information on line
Most of our start ups earn their entire investment back inside of 6 months then earn profits for years and years
Each ATM placement is win-win. You make the surcharge revenue and the merchant where
you place the ATM makes more in new cash spending

We have the best start up ATM program in the country
Low cost to start up
Work less hours and still build income
Live an unbelievable lifestyle
We sell all of our machines at cost! Which means more money in your pocket.

Why would I want an ATM
business?

Do you want a business that can net well over $100,000 a year, which requires less than an hour a month of your time? I can guarantee you answered yes! With an ATM business, you need no employees or a storefront. It requires a very low start up cost. Your
investment into the ATM machine can be paid back in less than six months. You
can manage your ATM business from home at your own schedule. You may only have
to go to the location of the ATM machine once or twice a month depending on
usage and amount of money stocked in the machine! You can also own an ATM
business, while still working a part-time or full-time job since it requires so
little time!

How do I start my own ATM business?

The ATM business is a very profitable and easy business to get into! Your first and most important step is to find the locations to place the machine. Many people ask, do I have
to own the business to place an ATM machine there? You do not! All you have to
do is approach the business owner and see if they re interested in having an ATM
machine inside their business. Some reasons why a business owner would like a
machine in their business is to lower their credit card costs, see more cash
being spent, as well as to attract customers into their business just by having
an ATM machine on premises. They have no responsibly of the ATM, yet get to
reap all of the benefits! With credit card costs being so high, most business
owners would rather see cash being spent. By having an ATM machine on premises,
they will see cash being spent rather than having to take plastic! Therefore,
they will see lower credit card costs and more cash spending! Once you find the
location on where to place the ATM machine, you purchase the machine. All
Around ATM will come out, install the machine, program it, and train you on how
to work the ATM. You are responsible for stocking your cash inside the ATM
machine, and you keep 100% of all the surcharge revenue profits. You get to
select your surcharge amount. You get to select what you d like displayed on
the screen, as well as what you d like to print on the receipt. You can use
this as an advertisement for your ATM company, or you can advertise the
business that the ATM is placed in. You can even sell this advertisement space!
All Around ATM will set you up with a website where you can monitor your ATM,
so you can see exactly what is happening on your machine IN REAL TIME! As soon
as the machine is installed, you start making money! You can make well over
$100,000 a year on 10 machines. These machines require very little time. On
average, depending on how many times a month you fill the machine, you only
will be spending about 10 minutes in total at the machine. It takes as little
as three minutes to load the machine with cash. It s all very simple, and you
can be making more money working a few hours a year, than most people making
working full time!

What are my start up costs for getting into the ATM business?

You can get started into the ATM business for a very low cost. For as little as $1,599, you can purchase your first machine. You can stock the machine with as little as $500 or as much
as $16,000+. Most customers stock their ATM machines with between $1,000-3,000.
Therefore, you can get started with your first ATM machine for under $3,000.
THERE ARE NO FRANCHISE FEES! You can pay off your ATM machine in the first
three months or less, and everything from then on is a profit. ATM machines can
last as long as 7-8 years or more, allowing you to be collecting money off of
the ATM for many years. At All Around ATM we suggest you start with one or two
machines, and build your ATM business up from there. You can gain a good
understanding of the ATM machines and how they work, and then expand your
business! We have many customers who started with only one ATM machine, and now
have well over 100 machines out in the field!

What types of locations do well with an ATM machine and do you find the location?

All different types of locations do well with an ATM machine, but the most important thing comes down to volume! Businesses that often do well with ATM machines are con stores,
restaurants, night clubs, bars, malls, etc. However, the main thing to look at
when trying to find a good location to place the ATM machine is the amount of
people walking into the business daily. Any type of business that is busy will
do well with an ATM machine. The more people walking through a business, the
more usage the ATM machine will get. As far as the location, you are responsible
for finding it. However, we do have a unique program at All Around ATM. We get
tons of inquires a day for businesses looking for a free placement of an ATM
machine. Often times, the business doesn t qualify for a free placement of the
ATM because the location is out of our service area and the armored carrier
costs are just too high. What we do is we match you up with any business
inquires in your area, allowing you to decide if you want to place an ATM
machine inside their location! We always will pass long these free placements to
you, all FREE OF COST! At All Around ATM, we re always looking to help out our
customers and give them new locations.

Contact us now to start living your dreams!!

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All About Cash Flow #stock #market #results

#business plan outline

#

All About Cash Flow

While we are trained to think of business as sales minus costs and expenses, which is profits, we have to manage cash as well.

Although cash is critical, people think in profits instead of cash. We all do. When you imagine a new business, you think of what it would cost to make the product, what you could sell it for, and what the profits per unit might be. We are trained to think of business as sales minus costs and expenses, which is profits. Unfortunately, we don t spend the profits in a business. We spend cash. Profitable companies go broke because they had all their money tied up in assets and couldn t pay their expenses. Working capital is critical to business health. Unfortunately, we don t see the cash implications as clearly as we should, which is one of the best reasons for proper business planning. We have to manage cash, as well as profits.

A simple example
One of the best ways to understand the dilemma of cash vs. profits is to follow an otherwise-profitable company going broke because it can t meet its obligations. This is a quick and simple example. It also leads us into the relationship between income statement, balance sheet, and cash.

Start with $100, which we ll call capital. At the beginning of this exercise, your balance sheet has assets of $100—the money—and capital of $100. Assets are equal to capital plus liabilities. A summary of the simple financial statement at this point is shown in this first illustration, Starting Numbers.

If you buy a widget for $100 and sell it for $150, you should end up with $50 profit, which is what your income statement covers. Sales minus costs are profit. You should have $150 in the bank. Now your balance sheet shows the same $100 in original capital plus $50 in earnings, which are equal to the $150 you have in cash as an asset. The next illustration shows you how the financials work after the sale.

Buy another widget for $100 and sell it again for $150, and now you have $200 in the bank. Do it again, you have $250 in the bank. Your income statement shows sales of $450, cost of sales of $300, and profit of $150. The illustration shows your income statement and balance sheet at this point.

Adding some realism
Now go back a step and make the situation more realistic. For example, most sales of products to businesses go on terms, with the money due in 30 days. So if you sold that widget on credit you don t have $150 in the bank. You still have $50 in your bottom line, but now you have nothing in the bank. Instead, a customer owes you $150, which is what we call “Accounts Receivable.” Compare the Sell a Widget illustration to this next illustration, Selling on Terms. This is what really happens to the huge number of businesses that sell to other businesses.

Knowing you can buy a widget for $100 and sell it for $150, you get your Widget supplier to sell to you on the same terms you sell, net 30, instead of for cash. Now you have $100 that you owe to suppliers, which is called “Accounts Payable.” You also have $100 worth of widget in inventory. This gives you the case in the following illustration, Buying on Terms, in which you are now poised to sell another widget and make more profit.

You have an extra $100 in assets (the widget in inventory) and an extra $100 as liabilities (Accounts Payable), so you are still in balance. Also, you still have no money. Our next illustration shows the financial picture with sales to businesses on credit and purchase of inventory on credit as a short-term debt.

Now the case is more like what you have with real business numbers, in which you have to manage your cash very carefully, and the amounts sitting in inventory and accounts receivable are significant.

More realism: working capital
Even in the case of the above illustration, the example is completely unrealistic. Where are the running expenses, such as rent, salaries, telephones, or even advertising those widgets? How would they affect the cash situation? How far would we get if we couldn t pay the rent or the telephone bill while waiting for customers to pay us? Furthermore, what supplier would give us a widget on credit when we have no history and no assets? What bank would loan us money in this situation? Banks do loan against inventory and receivables, but only to a certain percentage of total value. What was missing here, all along, was working capital.

Important: In strict accounting terms, working capital is equal to short-term assets minus short-term liabilities. In real terms, however, working capital is the glue that holds your cash flow together. Get it into the bank before you need it, or you won t survive the unexpected.

The following illustration goes back to the beginning of this whole example and does it right, with enough capital in the beginning to finance the company.

Instead of starting with $100 as capital, this business looks a lot better with starting capital of $400. With this additional capital from the start, buying on credit and borrowing against assets is more realistic. In this scenario, working capital is up to $550. Now it has a proper input of working capital at the beginning. With even the barest of business plans, we could tell that $100 wasn t enough to get this business going.

I hope the theoretical examples help make the concepts clear. If you followed these illustrations, you can see some enormous implications for running a business.

Important: Every dollar in accounts receivable means a dollar less in cash. Every dollar of inventory is a dollar less in cash. Every dollar of accounts payable is a dollar more in cash.

How LivePlan makes your business more successful

If you re writing a business plan you’re in luck. Online business planning software makes it easier than ever before to put together a business plan for your business.

As you ll see in a moment LivePlan is more than just business plan software though. It s a knowledgable guide combined with a professional designer coupled with a financial wizard. It ll help you get over the three most common business hurdles with ease.

Let s take a look at those common hurdles and see how producing a top notch business plan sets your business up for success.

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Moderate alcohol consumption boosts immune system – Medical News Today #immune #to #all #disease

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Moderate alcohol consumption ‘boosts immune system’

Published: Saturday 21 December 2013 Published: Sat 21 Dec 2013

Many of us enjoy a drink or two to celebrate the festive season. And now, researchers say the odd glass of wine with dinner may actually benefit our health – as new research suggests it can boost the immune system and improve its response to vaccination.

This is according to findings published in the journal Vaccine.

The study researchers, led by Ilhem Messaoudi of the School of Medicine at the University of California, Riverside, say their research may help lead to a better understanding of how the immune system works, and how to improve its ability to respond to vaccines and infections.

To reach their findings, the researchers trained 12 monkeys (rhesus macaques) to consume alcohol freely.

Beneficial in small doses: researchers say moderate alcohol consumption, such as a glass of wine with dinner, may help boost the immune system and its response to vaccinations.

Prior to this, the monkeys were vaccinated against smallpox. One group of the monkeys was then allowed access to either 4% alcohol, while the other group had access to sugar water. All monkeys also had access to normal water and food.

The monkeys were then monitored for a 14-month period and were vaccinated again 7 months into the experiment.

During this time, the investigators found that the monkeys’ voluntary alcohol intake varied, just as it does in humans. This led the investigators to divide them into two groups.

The first group consisted of monkeys that were “heavy drinkers” – defined as having a blood ethanol concentration (BEC) more than 0.08%. The second group was deemed “moderate drinkers,” with a BEC of between 0.02-0.04%.

Moderate alcohol consumption ‘enhanced vaccine response’

The researchers found that before the monkeys had free access to alcohol, they all demonstrated comparable responses to the vaccinations. But after alcohol consumption, they all showed different vaccine responses.

The monkeys classed as heavy drinkers showed diminished responses to the vaccine, compared with the monkeys that consumed sugar water. But the investigators were surprised to find that the monkeys deemed as moderate drinkers demonstrated an enhanced vaccine response.

Commenting on the findings, Messaoudi says:

” These surprising findings indicate that some of the beneficial effects of moderate amounts of alcohol consumption may be manifested through boosting the body’s immune system.

This supports what has been widely believed for some time: moderate ethanol consumption results in a reduction in all causes of mortality, especially cardiovascular disease. As for excessive alcohol consumption, our study shows that it has a significant negative impact on health.”

A glass of wine with dinner ‘could improve health’

According to the National Institute on Alcohol Abuse and Alcoholism (NIAAA), moderate drinking is defined as no more than four alcoholic drinks on any single day for men and no more than 14 in total over a week. For women, this reduces to three drinks on any single day and no more than seven drinks over a week.

The researchers emphasize that although their research suggests moderate alcohol consumption may benefit the immune system, they do not recommend that people with a history of alcohol abuse start to drink based on these findings.

“If you have a family history of alcohol abuse, or are at risk, or have been an abuser in the past, we are not recommending you go out and drink to improve your immune system,” says Messaoudi.

” But for the average person that has, say, a glass of wine with dinner, it does seem, in general, to improve heath, and cardiovascular function in particular, and now we can add the immune system to that list.”

Messaoudi adds that the team plans to further investigate how immune system responses to vaccinations can be boosted using these findings.

They add that they will focus on how this can be done in vulnerable populations, such as the elderly, who are often known to have ineffective vaccine responses.

This is not the first study to show the potential benefits of moderate alcohol consumption. Earlier this year, Medical News Today reported on a study suggesting that consuming a glass of wine a day may reduce the risk of depression. while other research suggests a compound found in red wine could help treat cancer.

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Moderate alcohol consumption enhances vaccine-induced responses in rhesus macaques, I. Messaoudi, M. Asquith, F. Engelmann, B. Park, M. Brown, A. Rau, J. Shaw, K.A. Grant, Vaccine. 17 December 2013. Abstract.

Can a Glass of Wine a Day Keep the Doctor Away?. news release from the University of California, Riverside, accessed 18 December 2013.

Visit our Alcohol / Addiction / Illegal Drugs category page for the latest news on this subject, or sign up to our newsletter to receive the latest updates on Alcohol / Addiction / Illegal Drugs.

Please use one of the following formats to cite this article in your essay, paper or report:

MLA
Whiteman, Honor. “Moderate alcohol consumption ‘boosts immune system’.” Medical News Today. MediLexicon, Intl. 21 Dec. 2013. Web.
5 Jun. 2017. http://www.medicalnewstoday.com/articles/270379.php

APA
Whiteman, H. (2013, December 21). “Moderate alcohol consumption ‘boosts immune system’.” Medical News Today. Retrieved from
http://www.medicalnewstoday.com/articles/270379.php .

Please note: If no author information is provided, the source is cited instead.

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Find a Bail Bonds Agency Serving TGK Jail Miami Dade County, Bail Bondsman Pay

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When you are arrested anywhere in Miami Dade County mainland you will be transported to the local Police station nearest you. At the Police station you will be held waiting for transportation to Miami-Dade jail nearest you. This is typically the Turner Guilford Knight Correctional Center also known as TGK Jail where you will be officially booked into the Miami-Dade County Jail system. On average it takes between two or four hours to be fully booked in and processed after which the defendant will have had his or her bail amount set. Only after the jail booking officer has completed booking the defendant will he or she be able to bond out. However, depending on the seriousness of the offense/s you are charged with you may need to first go before a judge before you are allowed to bail out. Some of these offenses include, domestic violence charges, armed robbery, kidnapping, murder, ETC. If you need to find a person held in custody at any of the Miami jails or for Miami jail release information call us at 1-800-224-5937.

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