Ways to get the Best and Safest Personal Loan?

A personal loan is the loan borrowed to satisfy personal requirements. This type of loan can be obtained from a bank or other company lending loans and making a crystal clear agreement for repayments specifying the particular monthly installments and due dates regarding payments. If you go for a personal loan, you need to ensure that you make the payment of payment between the specified dates or it may amount to losing your property, if you are a defaulter.

The repayment amount includes the part of principal amount borrowed as well as the interest accrued according to the terms of agreement. You will have to repay the specified amount each month to the bank, home building society or the institution through where you have borrowed the money. The quantity of loan approved will either become decided by you according to your capacity to return the loan easily or by the lender as he might assess.

The personal loan can be utilized for different personal uses such as for your business, to purchase a vehicle, for making a holiday trip, to renovate a house or to meet up with unforeseen expenses, etc . There are two types of personal loans. One is a secured mortgage and other is unsecured loan. A secured loan is available towards mortgaging any property to the loaner as a security against any arrears in returning the loan. The particular loaner has the right to sell the property to recover his money.

There are so many gamers emerging in the personal market, because of this there are serious financial issues in the market related the types of loans offered by them.

It does not mean that people should desist from getting a personal loan. You should be confident about the financial institution before getting a loan that the mortgage is safe and the lending institution is renowned. There are a few dubious institutions in the market who may attempt to grab your property, if you are not careful.

It is far from a problem to secure a cash loan for those have good credit rating or have property or own a business. They can get personnel loans easily from recognized financial institutions which have a thoroughly clean record and good customer relationships on the basis of good credit score or by giving a collateral.

You may be in a serious need of getting a loan to meet a number of your urgent needs. Before applying for a loan, you should be aware of what types of loans are available for a particular purpose. If you are not in a position to take a decision, it is better to seek advice from a financial ad visor. You should get offers from different lenders for personal home loan. It is a good alternative for those to obtain loans online, if you do not have a bank or financial institution nearby to cater to your needs.

It is true that the marketplace is competitive for the lenders. You are able to approach the institutions in any exigency for a personal loan. The procedure to get a mortgage is simple. Here’s more info about personal loans online look into the internet site.
Most of the personal loans are normally unsecured. The amount of borrowings is also low usually limiting to 15, 000 bucks for an individual.

If you need a loan for short period, it is helpful if you have crystal clear credit history. It is a best option to get a money mortgage. Cash mortgage are of three types. These include: cash advance loan, deferred deposited loan. The interest payable is mainly linked to the type of cash loan you opt for.

The best way to Achieve a Stress-Free Car Rental – 5 Keys to Success

The common car rental is a process that should be given more than last minute attention during travel. However, many families (and business travelers) fail to do a few small items in advance that could lead to a more stress-free car rental travel experience. As any frequent traveler knows, getting the car rental here at the beginning of the trip can certainly cause a much more enjoyable trip for all concerned at the end. Below are 5 keys to some successful car rental that every traveler ought to make note of:

1 . Do a little homework. As with any wise buying choice, even a little preparation can save dollars. For example , the wise and experienced traveler will make sure their own automobile insurance is about date and sufficient for their prepared car rental needs. It is widely recognized that travelers need not take the leasing company insurance offered if their own coverage can protect them effectively. The only exception to this might be: insufficient insurance because the renter does not have a private car. In this case, the higher-priced leasing company insurance is better than none in any way.

2 . Understand your rental contract. Wise car rental customers will make absolutely sure they understand the terms and requirements of any car or vehicle rental agreement. This is a major part of preparing for travel and car rental, and should not be something that is studied only if a problem arises. Some details that should always be confirmed include: 1) The number of miles are allowed per day (experienced rental customers agree that limitless mileage is best for most travelers), and 2) Is the customer required to fill up the gasoline tank when the vehicle is returned? Rental companies generally offer a fuel option that allows the client to pay up front for a tank associated with gasoline. This means that the driver can return the car without filling the container.
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In most cases it is best to buy gasoline when needed, filling the tank just before returning the car.

3. Know what you are hiring. While many travelers will actually think about insurance, mileage and gasoline whenever renting a car, most will not take time to look at the car’s physical condition to check to get dents, scratches and other appearance difficulties. Feedback from customers and consumer complaints indicate that car rental businesses will sometimes try to blame these types of problems on the current renter. To avoid this difficulty, wise car rental clients will point out any problems just before taking the car, making sure that the company consultant notes scratches, dents and furniture problems, in writing. Tip: Experienced renters use their digital cameras to record any problems before driving away.

4. Look for value but pay money for happiness. The car rental industry is continuing to grow quickly and now includes dozens of choices. This level of competition has resulted in reduced prices, even from a few of the top-name companies. Of course , the best offer for the lowest price is everyone’s goal. However , experience in the field of car rentals has taught many people that the cheapest price is not always the key to joy. (It’s always a good idea to pay particular attention to the “howevers. “) Since the choices expand, customers are tempted to choose lesser-known companies to save cash. Many of these occasional renters assume that federal and state laws will protect them through any major problems. While it is usually true that the “name-brand” corporations and lots of smaller companies will provide a quality, free of worry experience, problems can arise which includes of the smaller start-up businesses. The wise renter will be sure to clear up any doubts about terms and car conditions, especially with smaller sized fleet businesses. The pressure of making and growing a business may direct some to cut corners. In the end, the customer may have to pay for that pressure.

five. Stress the small details. There are a number associated with items in the small print of rental agreements that can add to or subtract from the overall cost you finally find yourself paying. Two that should be understood completely at the start are: 1) Return needs – Is the original renter required to bring the car back to the same location? There may be a charge for coming back the vehicle to another site. 2) Will there be an extra charge if the driver is under a particular age. Companies may include a surcharge if the driver is under 25, for example. These are the most famous and can mean hidden charges in late your trip you weren’t counting on. Be sure you read the small print and ask questions prior to driving that rental car of the great deal.

Vacations can be hectic enough with no adding the stresses of a bad car rental into the equation. The errors that the average traveler makes when renting a car vary from a lack of planning before the trip begins, to doing small things during the rental procedure that end up costing him or her more money in the end. Wise travelers can avoid these mistakes by following the 5 tips outlined above to achieve an effective stress-free car rental.

The Guaranteed Best Weight Loss Program

If you want to lose weight, selecting the right weight loss program is absolutely essential to your success. There are a seemingly limitless number of weight loss programs available on the market today so how can you decide which one is right for you? It is a question I see a lot from both women and men looking for the right program to follow. May confusing situation to be in I can think about; wanting to lose weight but not knowing which usually program best serves your needs. What exactly do you do?

Well, the purpose of this post is to discuss various aspects plus concepts surrounding weight loss programs in hopes that it will help you be able to select the appropriate program for you. First things first!

1 ) Identify what you REALLY want

What do you want from your physical body? My on the web fitness coaching clients hear this particular from me all the time. At first it may look like a pretty silly question, yet it’s not.
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I’ve learned that the vast majority of individuals seeking weight loss really aren’t actually that interested in losing weight at all. It can true! In my considerable professional experience, the majority of people seeking professional fitness training aren’t looking to lose weight as much as they’d simply like to feel good about on their own and avoid the pain associated with the social stresses of being overweight. Weight loss isn’t their particular true desire, it simply offers them with the things they are really seeking. In fact , I will go as significantly to say that most people really want to consume whatever they want to eat, do whatever they want to do and live their own life as they deem appropriate. I’m not pointing fingers here, which what I’d like to do too. Nevertheless , being human means we have interpersonal pressures and expectations. At this point of all time we are told that a lean, well developed physique is sexy, attractive plus desirable. I believe that this is the reason most people seek weight loss programs, not because of a real desire to be lean, but an intense wish to be wanted, to be sexy, to be regarded as attractive and to feel good about their body when surrounded by people whoms opinions they consider important.

It’s perfectly alright to seek weight loss for virtually any reason at all; because you want to really feel attractive, feel confident in your body or to attract prospective love interests. Possibly for seeking weight loss, it’s very important that you identify your REAL reason for this particular pursuit. Once you’ve accurately identified this reason/reasons, motivating yourself toward that goal/goals is a much more enjoyable process. As soon as this happens, the weight loss process is just not so much about the weight as much as is actually all about you! And that is exactly how it should be.

2 . Determine commitment boundaries

This concept is perhaps the most important of all. I have seen people spend thousands of dollars on weight loss programs only to abandon that work just days into the program. They over-committed themselves and were not able to follow through. Every weight loss program has a few things in common. Each of these things will be different from program to program, however the basic components remain:

Frequency – how often you must workout
Strength – how much effort and strength you must put into your program
Time – how much time you must workout each workout
Type – the kind of exercise(s) you will be doing during a system
This actually has a common name. We in the fitness industry call this the F. I. T. T principle. Beyond these basics which are usually associated with the exercise components of your program there will also be nutritional requirements to any quality weight loss program that will fit perfectly into the same acronym:

Frequency – describes how often you will eat each day
Intensity – how rigid or lax your diet is
Time – how long you need to eat this way
Type – the kind of food and nutrition methodology being used
They are going to be present in any well-developed weightloss program. Your success is dependent on what you happen to be realistically willing and able to invest in with regard to each of these factors. Let’s face it, purchasing a weight loss program does not ensure success, you must follow the program to obtain results. For instance, if your program requires a very strict diet with 7 days of intense exercise each week however, you aren’t a disciplined dieter and have never worked out before, this theoretical program probably isn’t the one that will probably serve your needs best. Perhaps you require a program that has a more developmental approach and allows you more food and exercise options.

3. Beware of programs that will claim to be for everybody

I’m not really saying that there aren’t programs which could benefit anyone and everyone, but I am saying that you are more likely to become successful when you sign-up for a program that is directed at people just like you. Programs that attempt to cater to everyone are typically made to produce sales more than results. These types of programs tend to be very demanding, have very rigid diet expectations and sometimes lead to injury for those not ready to handle the demands the program requires. Do your homework and find a program that is designed with you in mind.

When I began establishing my Body Fat Meltdown weight loss program for girls a lot of people told me I’d make a lot more sales if I would only market it to everyone; men, females, older, younger, everybody. While this is undoubtedly true I couldn’t ethically do that because I know that each of these categories of people have their own unique set of needs and desires when it comes to physical fitness and weight loss. Therefore , I developed the Body Fat Meltdown plan specifically for newly motivated women wanting to lose weight without requiring a fitness center membership so they could work out each day for thirty minutes or less wherever and whenever they wanted. I wanted it to be ideal for the at-home exerciser or for women who need to workout with minimal equipment while traveling. It needed to take away all excuses for any newly motivated weight loss participant and that’s what it does. By providing exact diets and exercise instructions the Body Body fat Meltdown program ensures success if a woman will simply follow it for ninety days. This is an example of a program that has a potential customers, a specific purpose and a meaningful technique of progression that will lead this specific group of participants toward their weight loss goals.

4. Make sure the program is challenging, but livable

Be honest about the type of program your lifestyle will allow you to partake in. Physical fitness is an evolution so where you are in every area of your life now may not be where you are down the line, but you must be able to manage your weight loss program within the current boundaries that your life provides. For instance, if you are a single mother with two small children in your own home you probably are not going to stick to a ninety day program where you have to eat brussel sprout and cabbage soup at each meal while exercising one hour two times each day. It’s just not environmentally friendly. Every program has it’s nutrition and exercise requirements so it’s under your control to make sure that those requirements will challenge you to improve but that furthermore fit into your current living arrangement.

five. The best weight loss program is one you’ll finish

The most effective program in the world is worthless if you don’t do it. I know this first-hand. I’ve has women sign-up to get my Body Fat Meltdown weight loss program and proceed to lose twenty-four pounds within the first thirty days. On the other hand I’ve got women sign-up and never even attempt the first training program yielding a result of precisely nothing. The best weight loss program you can spend money on is one you will participate in, be questioned by and finish. I can title at least a hundred weight loss programs off the top of my head that have produced amazing results for their participants. Conversely, I could assure you that every one of those applications also has people who purchased, then barely participated, quit and spent hard-earned money for no results in any way. Ultimately the results you get begin and end with you. They are dependent on the factors we discussed above and therefore are absolutely determined by your participation and completion of the program.

Take these five factors and use them to bud through the vast wilderness of diet programs available to you. Find a program where you are the targeted participant, one that you can realistically participate in and sustain from begin to finish. If you do these things I firmly believe you will be successful in your effort to lose weight and look and feel great.

Why You Should Wear a Nursing Bra When Breastfeeding

There is no reason to wear a nursing vettig, or any other type of bra for instance. So , if you’re happy not wearing one then go right forward. But most women feel more comfortable within a bra and when breastfeeding, wearing the right nursing is a definite must.

But why wear a nursing v?ldigt bra when breastfeeding? Won’t a normal bra do instead? Well, the answer to that is, if you feel okay wearing a regular bra whilst breastfeeding, then really probably okay too. However , a normal bra is not designed for breastfeeding whereas nursing bras are, and it is sensible to have a few nursing bras, whilst you’re breastfeeding your baby.

Whatever medical bra you buy, it is important that the mycket bra fits correctly and is easy to use. The bra that doesn’t fit correctly may block your milk ducts plus cause milk production to decrease. Also, plugged milk ducts can become infected, leading to mastitis, so be sure that the particular nursing bra is right for you; all girl are different and therefore, what might be a great nursing bra for some, may not be the ideal nursing bra for others.

If possible, it is best to avoid under wire nursing bras, especially in the early postpartum weeks. Nevertheless some women, especially those with in addition size cups, prefer under wire nursing bras as they feel these people get more support and avoid backache. If you do choose under wire, then it is essential that it fits correctly. The Medela Extended Size Classic bra is available in an under wire design and is a very good bra for the fuller figured woman. Playtex also make a great under wire nursing bra; the Fancy Me Underwire Lace Vettig. Today, there are many excellent plus size nursing bras that give the required support without under wire. The Bravado Supreme Nursing bra is especially made for the fuller-breasted woman; the bra also has a delicately embossed fabric, which is strong yet silky to the touch — clothing glides over it making breastfeeding a baby very easy.

A good nursing bra can make breastfeeding easy. A nursing v?ldigt bra is designed to open at each cup. A good nursing bra should open on the cup but still provide plenty of support for the breast, making breastfeeding easier. Make sure you buy a nursing bra that you can open with one hand; you should also be able to close it one-handed as well. Most brands come with plastic clips — such as Medela and Elle Macpherson, or eye and hook : such the Goddess and Bravado maternity bras. Being able to open the nursing bra easily is important to get discreet breastfeeding in public, so make sure to buy one that allows easy access and easy shutting.

Another reason why you should use a nursing bra is because you’ll almost certainly want to put breast pads from time to time, especially when out and about and don’t want to be seen with dripping breasts. All good makes of nursing bras come with cups especially designed to allow discrete insertion of breast pads.

When breastfeeding, the shape of the woman’s breasts change over time; in fact the shape of the breasts change during the day. Nursing bras are very adjustable.
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Nearly all good makes of nursing bras, such as Medela, Bravado, Playtex and so forth are designed to allow adjustment at the band and also at the cup.

As well as delivering support and making breastfeeding simpler, a nursing bra can also give a woman great confidence. As stated currently, breastfeeding in public places is easier if the vettig is easy to use. Today’s nursing bras are also very stylish and create many women feel confident about the way the look and feel. If you can pay for it, it is worth investing in a single stylish nursing bra, such as the Elle Macpherson Maternelle Nursing Bra; simply for those special occasions.

Finally, there is no like thing as the best nursing vettig. Buy the bra that gives you the best support, is easy for you to use and gives you the finest confidence.

Make Sure Any Divorce Advice You Get Follows Your State Laws

Getting a divorce is a painful and difficult process. Neighbors, friends and family members will offer both wanted and unwanted divorce advice whether or not they have experienced it themselves. Everybody knows somebody who has been through a divorce even if they have not personally experienced it. Most of the advice is given with an earnest wish to be helpful and some of it is given simply because people are curious and want to know more about what is going on with your situation. Be careful about whose advice you listen to.

Every divorce is unique and every state has its own unique divorce statutes. Your neighbor may have good advice based on a hearing she experienced in another state that may be absolutely irrelevant for the state in which you live. Your best friend may give you divorce advice based on her experience as somebody who went through it but whose spouse instigated the proceedings. Even if your spouse also instigated the process and your circumstances appear to be similar to somebody else’s experience it is crucial that you seek divorce advice from an experienced attorney in your state. For more regarding ganhar likes tiktok check out the website.
Only an experienced attorney licensed to practice law in the state in which you live at the time you seek the divorce can give you accurate information about the legal process in your state and relevant advice about what to do given your unique circumstances.

Divorce is sadly common these days and people offer divorce advice as though their experience can somehow help you to navigate your divorce. Although there may be common emotional experiences among divorcing couples every marriage is different. Every couple has different expectations and every outcome will be different based on the relationship between the divorcing couple, the longevity of the marriage, the assets owned, whether or not children are involved and a myriad of other factors. It is important to know that each person going through a divorce has rights during the divorce process and in reaching an agreement. These rights exist whether or not you are the one who filed for divorce.

Receiving divorce advice from a knowledgeable divorce attorney in the state in which the divorcing couple is living is crucial. Divorce is painful but it will be less painful if you take the time at the beginning of the process to look for and receive advice that is relevant for you.

Make Sure Any Divorce Advice You Get Follows Your State Laws

Getting a divorce is a painful and difficult process. Neighbors, friends and family members will offer both wanted and unwanted divorce advice whether or not they have experienced it themselves. Everybody knows somebody who has been through a divorce even if they have not personally experienced it. Most of the advice is given with an earnest wish to be helpful and some of it is given simply because people are curious and want to know more about what is going on with your situation. Be careful about whose advice you listen to.

Every divorce is unique and every state has its own unique divorce statutes. Your neighbor may have good advice based on a hearing she experienced in another state that may be absolutely irrelevant for the state in which you live. Your best friend may give you divorce advice based on her experience as somebody who went through it but whose spouse instigated the proceedings. Even if your spouse also instigated the process and your circumstances appear to be similar to somebody else’s experience it is crucial that you seek divorce advice from an experienced attorney in your state. Only an experienced attorney licensed to practice law in the state in which you live at the time you seek the divorce can give you accurate information about the legal process in your state and relevant advice about what to do given your unique circumstances.

Divorce is sadly common these days and people offer divorce advice as though their experience can somehow help you to navigate your divorce. Although there may be common emotional experiences among divorcing couples every marriage is different. Every couple has different expectations and every outcome will be different based on the relationship between the divorcing couple, the longevity of the marriage, the assets owned, whether or not children are involved and a myriad of other factors.
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It is important to know that each person going through a divorce has rights during the divorce process and in reaching an agreement. These rights exist whether or not you are the one who filed for divorce.

Receiving divorce advice from a knowledgeable divorce attorney in the state in which the divorcing couple is living is crucial. Divorce is painful but it will be less painful if you take the time at the beginning of the process to look for and receive advice that is relevant for you.

Issues to Locate in On the internet Casino Video games

A wide variety of different online-casinos are accessible to use. If you are you looking for more regarding dewapoker review our web page.
These involve cost-free casinos and types you have to pay back for. Diverse packages can be employed for these items as nicely. Below are some points to verify out for online casino video games.

Having plenty of wide variety normally can help for an on the internet-on line casino. You ought to seem to see what varieties of video games are out there for use from an on-line on line casino. In addition to the regular slot and card video games some other common on line casino online games can work as well. These involve craps, roulette and even keno.

It assists to see what the prices for participating in casino online games are. Numerous on line casinos are cost-free to use. These are types that do the job to assistance with getting men and women to master how to perform a selection of diverse online games. If you are new to the game you should check out this attribute out so that you can know how to perform this remarkable game.

Some of these casinos will have to have revenue though. These are casinos that can cost you money to participate in and can allow you to wager cash on online games. This is some thing that is finest for individuals who are expert with the recreation and are comfortable with betting revenue.

Of system when actively playing at one of these casinos on the net you need to see that it is becoming correctly ruled. On the internet casinos will demand licensing and acceptance by a governmental entity in get to get it to perform. This typically arrives from some overseas entity. For instance, in the United Kingdom on the internet casinos can be legalized via the Gibraltar Regulatory Authority. Effectively regulated on the net casinos are types that are reasonable to use and will give all gamers equal chances to gain.

Finally there is the program that is essential for playing online games on line. Some casinos can let you to play video games right on your net browser. Others will question you to obtain independent plans to use for the match. When you are downloading a plan you will will need to be sure that it is 1 that is protected to use and will not ship any adware or adware on to your pc. On-line casinos that are thoroughly regulated will frequently have programs that are harmless to use and have no adware or adware. For cost-free casinos you must be quite careful.

Good On line On line casino Internet site Action

Participating in on-line casinos is virtually as exciting as staying at the authentic matter in Las Vegas. With so several on line casino websites obtainable, Las Vegas design and style gaming is now brought to your property. The software that you download and set up is sensible with appears and graphics of accurate on line casino action. They are not only uncomplicated to use, but are safe and sound and pleasurable.

Some of the on line casino web pages offer online casino bonuses and promotions. These incentives contain signup bonuses, promotions for High Rollers and Referral Bonuses. Referral bonuses are given when you refer other gamers to enjoy at the casino website. Signup bonuses are presented to new players when they make their initial deposit. Most on the net web sites match your deposit volume. There are sure ailments with the volume of participate in the player is necessary to do, before they are permitted to use the bonuses. Having said that, the quantities essential are pretty appropriate to the sum of participate in you are planning to do.

With any of the on the internet on line casino internet sites, there are a great deal of casino games from which you can pick out. Whatever ability degree you are at or regardless of what match is your preference you will get pleasure from the on the web casino websites. All you have to do is down load and put in the computer software, register, make your 1st deposit and you are all set to play. Some of the game titles accessible to you are slots, Roulette, Craps, Keno, Video clip poker, Baccarat and numerous desk games.

There are some casino essentials for you to know:

Slots – are really simple. They call for quite tiny ability. You just spot your guess and spin. Putting the max wager is the very best, for the reason that it gives you larger odds at profitable. There are 3 reels, five reel, movie and progressive slots.

Blackjack – the object of the recreation is to have your playing cards whole 21 or arrive as shut as doable, without having heading more than. Deal with cards rely as ten details, Aces are 1 or eleven details, dependent on the other cards you have and all other cards count as confront value.

Roulette – There will be 6 players at the table. Each individual participant is supplied his or her personal colour of chips, so the seller can recognize the player by his colour. You area your chips on the table, wherever you want to guess. If you want to check out more info on UFABET visit our web site.
Some examples on betting strategies are Purple/Black figures, Low/Substantial figures, Odd/Even or single range alternatives.

Online video poker – is a sport of attract poker, performed versus the equipment. The item is to try out to place together the very best hand you can with the playing cards you ended up dealt.

We have outlined a couple of of the ideal US on line casino player websites that accept players from the U.S. The Rushmore On line casino is one particular of the most well known. They provide terrific promotions, new participant bonuses and even chances to acquire holiday offers. They have really great odds and a described payout share of 98.seven%. Cirrus on line casino has some of the ideal and 1 of the premier options of slots. On Mondays, you can get player prizes when you participate in. Pure Vegas Casino, Cherry Pink Casino, Bodog On line casino and Rome On line casino are some of the other online sites that welcome United states gamers to take part.

Small Business Cash Flow – How to Improve Your Cash Flow

There exists a saying among credit professionals; it is only a sale once the money is usually collected, until then it’s a present and we’re not in the gift giving business.

If you are a small business and therefore are not collecting from your customers in the timely manor you need to re-evaluate your own credit/collection practices. Many small business owners are experts in their field but may not feel comfortable about contacting their clients for money that is due.

There is also the misunderstanding that a credit /collection professional will stunt company growth by denying sales. Some fear they will lose customers by having someone call on invoices that are past due. Both are usually completely false; in fact a credit score professional can actually help to increase sales for the business and improve customer retention.

The collection process needs to be a regular systematic approach. It is much better to become proactive than reactive; when it comes to your money flow for your business.
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When you are positive you are calling the customers and uncovering problems early on in the collection process. This gives you time to make the essential corrections or supply the customer with additional documentation.

What this will perform is bring in more cash for your business; much quicker than if you sitting around waiting for the customer to send in their payment.

12 Steps To Improving Your Income

1) Always be professional.
2) Start using a customer service approach, be a problem solver.
3) Run an aging of most customers each month.
4) Be prepared; review the customers’ file before calling them.
5) Know what leverage you have available (is an order ready to ship)
6) Call all customers (once the invoice is 5 times beyond terms).
7) Confirm contact names, numbers and email addresses of Accounts
Payable personnel.
8) Don’t be afraid to ask for the A/P Mgr or Controller to get answers upon past due invoices.
9) Keep Good notes; document everything.
10) Efficient follow up is a key success factor! Use Outlook to schedule follow up calls or a check promise. (Follow upward calls should be scheduled based on the information you have been told. If you leave a message; call back in a couple of days. )
11) When you do leave a message; also deliver a fax or email using the past due invoice. This will keep your title in front of the customer and increase your likelihood of being paid.
12) Return phone calls promptly, delaying means less money for you personally.

Implement these steps on a regular basis and you will discover an improvement in your cash flow.

For the small business owner who does not want to be bothered phoning customers or cannot afford the expenditure (salary and benefits) of hiring an employee to do this job. You are confronted with a couple of options; keep ignoring the problem and continue struggling with slow income or outsource your credit plus collection function to a professional credit consultant.

Fact: Cash flow is the center of your business; without it your company will soon come to an end.

If you are a small business and are not collecting from the customers in a timely manor; you need to re-evaluate your credit/collection practices. To be able to improve your cash flow you must have consistent and effective collection practices in place for your organization.

In Bitcoin We Trust?

By now you have probably heard of Bitcoin, but can you define it?

Most often it is described as a non-government digital currency. Bitcoin is also sometimes called a cybercurrency or, in a nod to its encrypted origins, a cryptocurrency. Those descriptions are accurate enough, but they miss the point. It’s like describing the U.S. dollar as a green piece of paper with pictures on it.

I have my own ways of describing Bitcoin. I think of it as store credit without the store. A prepaid phone without the phone. Precious metal without the metal. Legal tender for no debts, public or private, unless the party to whom it is tendered wishes to accept it. An instrument backed by the full faith and credit only of its anonymous creators, in whom I therefore place no faith, and to whom I give no credit except for ingenuity.

I wouldn’t touch a bitcoin with a 10-foot USB cable. But a fair number of people already have, and quite a few more soon may.

This is partly because entrepreneurs Cameron and Tyler Winklevoss, best known for their role in the origins of Facebook, are now seeking to use their technological savvy, and money, to bring Bitcoin into the mainstream.

The Winklevosses hope to start an exchange-traded fund for bitcoins. An ETF would make Bitcoin more widely available to investors who lack the technological know-how to purchase the digital currency directly. As of April, the Winklevosses are said to have held around 1 percent of all existent bitcoins.

Created in 2009 by an anonymous cryptographer, Bitcoin operates on the premise that anything, even intangible bits of code, can have value so long as enough people decide to treat it as valuable. Bitcoins exist only as digital representations and are not pegged to any traditional currency.

According to the Bitcoin website, “Bitcoin is designed around the idea of a new form of money that uses cryptography to control its creation and transactions, rather than relying on central authorities.” (1) New bitcoins are “mined” by users who solve computer algorithms to discover virtual coins. Bitcoins’ purported creators have said that the ultimate supply of bitcoins will be capped at 21 million.
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While Bitcoin promotes itself as “a very secure and inexpensive way to handle payments,” (2) in reality few businesses have made the move to accept bitcoins. Of those that have, a sizable number operate in the black market.

Bitcoins are traded anonymously over the Internet, without any participation on the part of established financial institutions. As of 2012, sales of drugs and other black-market goods accounted for an estimated 20 percent of exchanges from bitcoins to U.S. dollars on the main Bitcoin exchange, called Mt. Gox. The Drug Enforcement Agency recently conducted its first-ever Bitcoin seizure, after reportedly tying a transaction on the anonymous Bitcoin-only marketplace Silk Road to the sale of prescription and illegal drugs.

Some Bitcoin users have also suggested that the currency can serve as a means to avoid taxes. That may be true, but only in the sense that bitcoins aid illegal tax evasion, not in the sense that they actually serve any role in genuine tax planning. Under federal tax law, no cash needs to change hands in order for a taxable transaction to occur. Barter and other non-cash exchanges are still fully taxable. There is no reason that transactions involving bitcoins would be treated differently.

Outside of the criminal element, Bitcoin’s main devotees are speculators, who have no intention of using bitcoins to buy anything. These investors are convinced that the limited supply of bitcoins will force their value to follow a continual upward trajectory.

Bitcoin has indeed seen some significant spikes in value. But it has also experienced major losses, including an 80 percent decline over 24 hours in April. At the start of this month, bitcoins were down to around $90, from a high of $266 before the April crash. They were trading near $97 earlier this week, according to mtgox.com.

The Winklevosses would make Bitcoin investing easier by allowing smaller-scale investors to profit, or lose, as the case may be, without the hassle of actually buying and storing the electronic coins. Despite claims of security, Bitcoin storage has proved problematic. In 2011, an attack on the Mt. Gox exchange forced it to temporarily shut down and caused the price of bitcoins to briefly fall to nearly zero. Since Bitcoin transactions are all anonymous, there is little chance of tracking down the culprits if you suddenly find your electronic wallet empty. If the Winklevosses get regulatory approval, their ETF would help shield investors from the threat of individual theft. The ETF, however, would do nothing to address the problem of volatility caused by large-scale thefts elsewhere in the Bitcoin market.

While Bitcoin comes wrapped in a high-tech veneer, this newest of currencies has a surprising amount in common with one of the oldest currencies: gold. Bitcoin’s own vocabulary, particularly the term “mining,” highlights this connection, and intentionally so. The mining process is designed to be difficult as a control on supply, mimicking the extraction of more conventional resources from the ground. Far from providing a sense of security, however, this rhetoric ought to serve as a word of caution.

Gold is an investment of last resort. It has little intrinsic value. It does not generate interest. But because its supply is finite, it is seen as being more stable than forms of money that can be printed at will.

The problem with gold is that it doesn’t do anything. Since gold coins have fallen out of use, most of the world’s gold now sits in the vaults of central banks and other financial institutions. As a result, gold has little connection to the real economy. That can seem like a good thing when the real economy feels like a scary place to be. But as soon as other attractive investment options appear, gold loses its shine. That is what we have seen with the recent declines in gold prices.

In their push to bring Bitcoin to the mainstream, its promoters have accepted, and, in some cases sought out, increased regulation. Last month Mt. Gox registered itself as a money services business with the Treasury Department’s Financial Crimes Enforcement Network. It has also increased customer verification measures. The changes came in response to a March directive from Financial Crimes Enforcement Network clarifying the application of its rules to virtual currencies. The Winklevosses’ proposed ETF would bring a new level of accountability.

In the end, however, I expect that Bitcoin will fade back into the shadows of the black market. Those who want a regulated, secure currency that they can use for legitimate business transactions will pick from one of the many currencies already sponsored by a national government equipped with ample resources, a real-world economy and far more transparency and security than the Bitcoin world can offer.