Manage Your Cash Flow Or Perish

Effectively managing the cash flow of your business is really about protecting your bottom line. Turning a profit is great but only if you see the cold hard cash that those paper profits are supposed to be bringing in. If to many customers fail to pay you or pay you late on a consistent basis then your business could land itself in serious trouble without you being aware of how bad the downward spiral really was.

Forward thinking entrepreneurs are acting to protect and even grow their businesses. But this means they are protecting their greatest asset. Cash in the bank. Successful entrepreneurs and growth businesses understand that there is a need especially in rough economic times to protect what they have. Otherwise they may find themselves turning a good profit on their goods or services, but they simply don’t get enough money in quickly enough to cover all the money going out of the business to pay for materials, stock, staff and all the other costs of running the business.

The flow of cash into and out of your business is of even greater concern to start up businesses as they are in the position of having to also grow a customer base. This means that a great deal more money will be going out the door than is coming in. With the economy being the way it is, managing and monitoring cash flow is definitely a priority for any business because you don’t know what’s coming in the door at any given time. You can find your cash levels fluctuating wildly.

The key to managing your cash levels is not to let your debtors get out of hand. Understand your monthly income and expenses. Learn to anticipate and avoid cash problems. Discuss with your banker our accountant how to build working capital reserves. A company may have excess cash but be unprofitable. A company may be profitable but lack cash. You want to be profitable and have that cash as well.

The Solution is to keep cash flow plans up to date. Make sure cash flow plans are realistic. Allow headroom in your cash requirements to counter unexpected variances. Be aware of your current cash position, forecasts and bear in mind potential fluctuations. Closely manage your stock and debtors to minimize needs for working capital. And manage your supply chain to gain maximum credit. Talk to creditors early if you need to extend. The bottom line is that you need to control your cash flow and not be at its mercy.

International Criminal Court in The Hague issues arrest warrant for leader of Sudan

Wednesday, March 4, 2009

Al-Bashir listens to a speech during the opening of the 20th session of The New Partnership for Africa’s Development in Addis Ababa, Ethiopia, Jan. 31, 2009. Image: U.S. Navy Mass Communication Specialist 2nd Class, Jesse B. Awalt.

The International Criminal Court (ICC) in The Hague, Netherlands has ordered the arrest of the president of the African country of Sudan, Omar Hassan al-Bashir. The warrant was issued by the ICC for seven charges of crimes against humanity and war crimes, in the Darfur region of the country.

In the ruling, the ICC said that al-Bashir was “intentionally directing attacks against an important part of the civilian population of Darfur, Sudan, murdering, exterminating, raping, torturing and forcibly transferring large numbers of civilians and pillaging their property”. The ruling added that there was not enough evidence to charge him with genocide. A few hours after its ruling, the Sudan revoked six foreign aid agency licenses, but did not state why.

The ICC has never before issued an arrest warrant for a head-of-state while they were still in power. In the nearly six-years that the Darfur region has been engaged in battle, over 300,000 people have been killed, or died as a result of the fighting. Countless millions have fled the country, seeking shelter in refugee camps.

During a rally protesting the decision on Wednesday, Al-Bashir spoke, calling the charges worthless and told the ICC to “eat” the warrant. “[It is] not worth the ink it is written on. It is a flawed decision”. Egypt says it is also not in favor of the warrant and the government states it will ask the United Nations Security Council to stop the implementation of it.

The Human Rights Watch, a human rights organization located in the United States, in New York “the International Criminal Court has made Omar al-Bashir a wanted man”, welcoming the warrant.

Retrieved from “”

Category:August 3, 2010

? August 2, 2010
August 4, 2010 ?
August 3

Pages in category “August 3, 2010”

Retrieved from “,_2010&oldid=1924974”

Hemorrhoid Or Anal Fissure?

By Mark Freeman

Hemorrhoid or anal fissure. Either one is a very painful condition. Some people who have anal fissures think their pain is caused by hemorrhoids and some who have hemorrhoids mistakenly think they suffer from an anal fissue. Here we’ll try to explain the difference.

An anal fissure is, simply stated, a small tear or cut in the lining of the anus. Anal fissures are generally caused by straining while on the toilet or by constipation. Sometime fissures are related to severe bouts of diarrhea. Fissures can be quite painful, especially during a bowel movement when the fissure is stretched. There will be red blood streaking the stool if you have a fissure.


Over 90% of fissures will heal without surgery. Recommendations to help prevent recurrence are increasing the fiber intake in your diet. This can be best achieved by taking an over the counter fiber supplement. Drink plenty of water to help keep your stools soft. Some take stool softeners, but do not take them for a longer period of time than is suggested by the manufacturer. Warm sitz baths can help ease the pain. Sit in a few inches of warm water for 15 minutes two to three times a day. When you wipe, use a cotton ball or pad soaked in witch hazel. You can buy pre moistened wipes in your drug store. Some who suffer with fissures are prescribed topical cortisone creams. Tylenol and Ibuprofen can help ease the pain.

Hemorrhoids are a very common medical ailment that affect both men and women. A hemorrhoid is an enlarged or swollen anal vein. As with anal fissures, hemorrhoids develop due to bad bathroom habits, such as sitting on the toilet for prolonged periods or straining. You will notice bright red blood with hemorrhoids. You may suffer from internal or external hemorrhoids. Generally internal hemorrhoids, which appear higher up in the anus are not painful, and only cause bleeding. It’s when an internal hemorrhoid prolapses, or drops outside of the anus and becomes what is know as an external hemorrhoid that it becomes painful and problematic.

Like anal fissures, hemorrhoid symptoms can be helped by sitz baths, wiping with cotton soaked with witch hazel, taking stool softeners, drinking more water, and increasing the fiber in your diet with a fiber supplement. There are numerous over the counter medications that can help relieve symptoms.

Please remember, not all rectal bleeding is due to hemorrhoids and fissures. If you experience any rectal bleeding it should be checked immediately by a physician.

About the Author: This article courtesy of


Permanent Link:

Four dead after explosion at police station in Peshawar, Pakistan

Tuesday, November 17, 2009

At least four people have been killed and another 26 wounded after a suspected suicide bomb attack near Peshawar, Pakistan killed four people today, according to police.

The explosion occurred at a police station in Badaber, located about twelve kilomtres from Peshawar. The blast damaged the station and a mosque, and completely destroyed several shops and other buildings located nearby.

“The death toll is four and there are 26 injured,” commented a doctor for the Lady Reading Hospital, Zafar Iqbal. Liaqat Ali Khan, a local police official said to the Associated Press news agency that security officials started shooting at a vehicle as it drove up to a checkpoint near the police station. The driver, however, managed to set off the explosives.

“We have beefed up checks at entry and exit points to and from the tribal areas and that’s why these blasts are taking place at our checkposts and our men are laying down their lives,” Khan told the Associated Press.

Retrieved from “,_Pakistan&oldid=4460818”

Wikinews Shorts: July 9, 2007

A compilation of brief news reports for Monday, July 9, 2007.

PlayStation 3Image: Bastian Stein (farbfilm).

On July 9, 2007, Sony Computer Entertainment America announced the release of an 80GB hard drive version of its PlayStation 3 video game console, priced at US$599.

Sony also announced a price drop to US$499 for its current 60GB model. Jack Tretton, Sony Entertainment America chief executive, said, “Our initial expectation is that sales should double at a minimum.”


  • “Sony cuts Playstation price in US” — BBC News Online, July 9, 2007
  • Scea. “Sony Computer Entertainment America Introduces New 80GB PLAYSTATION(R)3” — prnewswire, July 9, 2007

Flag of Nigeria

Nigerian gunmen have released three-year-old Margaret Hill, after holding her captive for four days. The toddler has since been reunited with her parents. She is reportedly in good health but covered with mosquito bites and also hungry, having not eaten recently.

The kidnappers had threatened to kill the toddler unless a ransom was paid or Mr. Hill came to take her place. The family claims no ransom was paid for her freedom. She was kidnapped from her car on July 5, on her way to school. Her driver was stabbed trying to protect Margaret.


  • “Nigeria kidnappers free UK girl” — BBC News Online, July 8, 2007
  • “Nigerian captors release British girl” — CNN, July 8, 2007

Retrieved from “,_2007&oldid=460032”

Apple unveils iPhone 4, iOS 4 at Worldwide Developers Conference 2010

Tuesday, June 8, 2010

In his WWDC keynote, Steve Jobs introduced iPhone 4 yesterday.

Yesterday, at this year’s Apple Worldwide Developers Conference (WWDC), company CEO Steve Jobs unveiled iPhone 4, along with the new iOS 4 operating system for Apple mobile devices.

The announcement was long-awaited but not a very big surprise. In April, the technology blog Gizmodo obtained a prototype of the new phone and published details of it online. While introducing iPhone 4, at the annual conference, Jobs started by hinting at the incident, saying, “Stop me if you’ve already seen this.”

The new iPhone was praised by Jobs as “the biggest leap we’ve taken since the original iPhone.” It is only 9.3 millimetres (0.37 inches) thick, making it “the thinnest smartphone on the planet”, a 24 percent reduction from Apple’s previous model, the iPhone 3GS. Structure-wise, iPhone 4 has a new stainless steel frame, which acts as an antenna, supposedly boosting its signal reception abilities and possibly reducing the amount of dropped calls. It also has a new screen, dubbed a “retina display,” which displays images at 326 pixels per inch. During the keynote, Jobs demoed the device’s new internal gyroscope as well. Even though it now uses Apple’s faster A4 processor (first used in its iPad tablet), iPhone 4 has a claimed seven hours of 3G talk time, up two hours from the 3GS.

In addition to its design features, Jobs showed off iPhone 4’s new video calling abilities. This feature is called FaceTime, and connects with other iPhone 4s via Wi-Fi. The phone has two cameras: one on the front for video chats, and one on the back for taking pictures and other videos. The rear camera has a resolution of five megapixels, is capable of recording high-definition video, and has an LED flash.

The iPhone 4 will use Apple’s latest mobile operating system, iOS 4. Formerly “iPhone OS,” iOS 4 was first introduced by Apple in April, and includes multitasking capabilities. Jobs called the new software “the most advanced mobile operating system in the world.” iOS will support Apple’s new mobile advertising service, iAd, which goes live on July 1.

iPhone 4 will be available on June 24 in the United States, United Kingdom, France, Germany, and Japan. It comes in two colors—black and white—and two storage capacities. The 16GB version is priced at US$199 and the 32GB version at US$299. The iPhone 3GS’s price will be reduced to US$99, and the iPhone 3G will be discontinued. iOS will be available as a free software update to users of compatible older Apple devices (including the 3GS) on June 21. In the U.S., iPhone 4 will only be available on AT&T’s cellular network, despite calls for Apple to let the iPhone be used on other carriers, such as Verizon.

Competition-wise, the BlackBerry mobile device is still the most popular smartphone right now. Apple is also facing some serious competition from web giant Google’s Android operating system, as well as Palm’s webOS. Earlier this year, Android phones managed to outsell iPhones. iPhone users, however, account for over half of those surfing the Internet on a mobile browser in the U.S. Jobs also noted that over five billion iOS applications, commonly called “apps,” have been purchased from Apple’s App Store. The App Store currently has around 225,000 different apps for sale.

Retrieved from “,_iOS_4_at_Worldwide_Developers_Conference_2010&oldid=4576606”

Benefits Of Hiring A Property Management Company

Benefits of Hiring a Property Management Company


Eva Judge

After a mortgage is secured for an investment property, there are several steps that property investors will need to take. Typically, investment properties need repairs or renovations before new tenants can occupy the property. Of course, finding suitable tenants can be a chore in itself. Credit checks will need to be conducted and former landlords contacted. Additionally, routine maintenance, collecting rent checks, and property inspections are all part of property investment. Because investment property can be time consuming, property investors are encouraged to retain the services of a property management company.

How a Property Management Company can Help –

Property investment can be a lucrative venture and terrific source of passive income when the properties are properly managed. Effective property management takes time, effort, and commitment. When investors have more than one property, they may find themselves unable to meet the demands of all of their investment properties. There are many benefits to retaining the services of a professional property management company.


1. Take Care of Day-to-Day Realities – faucets will leak, heating units will malfunction, and appliances may stop working. Most property investors do not have time to take care of these small, day-to-day realities of being a landlord. This is just one area in which a property management company can be of invaluable assistance. From fixing appliances to collecting rent to filing paperwork, a property management company takes care of the daily, routine tasks associated with property management.

2. Solve Logistical Problems – oftentimes, investment property owners do not live in the same city as their investment property. Even when they do, they may not have time to travel to the investment property every time a problem arises. A property management company will help property investors effectively manage their properties regardless of distance.

3. Continue Business as Usual – property investors typically have other jobs and responsibilities that require much of their time. A property management company can take care of the issues that often arise with investment properties, which allows the property investor to continue with their business as usual.

4. Ensure Profitability – home loans are often used to purchase investment property, and investors need to be sure their profits are satisfactory in order to repay their loan. Property management companies help the investor’s bottom line by minimizing vacancies and making certain only quality tenants are chosen. By doing so, profits are maximised.

Before a property management company is needed for an investment property,

home loans Brisbane

from the expert

mortgage brokers Brisbane

with Brisbane Financial Services will need to be secured.

Article Source:

TD Financial to acquire Hudson United Bancorp

Tuesday, July 12, 2005

Canadian TD Financial Group has come to a deal with the regional U.S. bank, Hudson United Bancorp, to buy Hudson for US$1.9 billion. The new addition will be folding into itsMaine-based TD Banknorth, which is 51% owned by TD Financial. The acquisition will bring in 204 new branches and increase TD’s footprint to New Jersey, New York, Connecticut and Pennsylvania. In total this will give TD 590 branches, 751 banking machines and more than US$26-billion in deposits across eight northeastern states.

Hudson specialises in commercial real estate, consumer and credit card loans to individuals and businesses. The bank also had $8.85 billion US in assets at the end of it’s first quarter, on March 31. The company’s shares had been dropping in the course of the past year because of allegations of money-laundering violations and after an earnings warning, making it a good steal for TD. The acquisition will greatly increased TD’s influence in America.

This continues the recent trend for Canadian banks expanding into the U.S. where regulation on bank mergers is less strict than in their home country.

“This transaction delivers on our shared vision for growth and marks a significant milestone in TD Banknorth’s expansion strategy,” TD Bank CEO and president Ed Clark said in a statement.

Retrieved from “”

Dell delays filing of financials as accounting investigation continues

Friday, March 30, 2007

Nasdaq image over Times Square

Dell Inc., a global leader in computer hardware manufacturing and sales, announced yesterday that it will delay filing of its annual performance report, the Form 10-K, required for compliance with U.S. Securities and Exchange Commission (SEC) and Nasdaq listing rules.

In a press release, Dell explained that an audit committee of the company’s board of directors is carrying out an investigation into accounting and financial reporting issues. The company stated that it would delay filing of the 10-K since the investigation had not been completed.

The internal investigation has found evidence of accounting errors, misconduct, and deficiencies in areas of financial control.

The chairman of Dell’s audit committee, Thomas Luce III, indicated that the delay in filing would extend past the April 3, 2007 deadline as well as an April 18, 2007 extension date. “As we move toward the conclusion of our investigation, we are committing the time and resources required to ensure a thorough and comprehensive review and resolution of all identified issues and the implementation of appropriate remedial measures,” said Luce.

The investigation is to determine whether the restatement of any financial disclosures are warranted, based on the accounting errors identified. The probe will also assess whether there are deficiencies in Dell’s internal control over financial reporting.

Retrieved from “”