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Money Sources for Business Want to start a business but don't have the money for all your startup expenses? Here are some ideas for where you can find capital to get your business off the ground. Continue reading "Money Sources for Business" Posted by Janet Attard on January 29, 2012 at 9:09 AM | Comments (1)Get to know your local and industry resources The single most important thing you can do before you apply for a business loan is to get to know the local resources available to help you. Here's why. Continue reading "Get to know your local and industry resources" Posted by Janet Attard on August 13, 2009 at 10:50 PM | Comments (2)Speed Up Cash Flow The economy has many businesses struggling, but this cash flow trick can keep money coming in even when consumers are spending less. Continue reading "Speed Up Cash Flow " Posted by Janet Attard on March 9, 2009 at 9:04 AM | Comments (0)Check credit ratings before the sale One of the best ways to avoid collection problems after a sale is to make sure the customer is credit worthy before the sale. Continue reading "Check credit ratings before the sale" Posted by Janet Attard on January 16, 2009 at 9:55 AM | Comments (0)Before You Hire a Tax Preparer It's that time of year again – time to get together your records from the last quarter of 2008 (or maybe for the whole year) so you can get your income tax return done. Here's how you can be sure your tax preparer is on the up and up. Continue reading "Before You Hire a Tax Preparer" Posted by Janet Attard on January 14, 2009 at 10:08 AM | Comments (0)Save on Electronics You've Already Bought Did you buy a new computer or other electronics products for your office (or your home) at a retail store in the last 30 days? Find out how you could be entitled to a refund. Continue reading "Save on Electronics You've Already Bought" Posted by Janet Attard on December 28, 2008 at 9:46 PM | Comments (2)Sell Your Invoices for Cash Are cash flow problems slowing your business down? Has a growth in sales brought on a growth in receivables and a shortage of cash on hand? Do you have suppliers who need to be paid now but some big new customers who won't pay for 45 to 60 days? Here's one solution to the problem... Continue reading "Sell Your Invoices for Cash" Posted by Janet Attard on December 15, 2008 at 7:21 AM | Comments (3)Future Cash Flow How much do you know about your cash flow situation? Chances are, you know how much money you have in the bank right now. If you're doing your own bookkeeping, or keeping a close watch on your receivables and payables, you can probably guess how much money you'll have in the bank in a month. But what about six months from now? Continue reading "Future Cash Flow " Posted by Janet Attard on November 26, 2008 at 9:50 AM | Comments (0)Surviving a Business Slow Down How’s business? Are you worried about falling sales, too-quiet phone lines, and an increasing stack of overdue receivables? Small businesses are often hit the hardest during economic downturns, and this one is no exception. When credit dries up, consumer and business spending does too. Continue reading "Surviving a Business Slow Down" Posted by Janet Attard on November 17, 2008 at 9:12 AM | Comments (1)Catch credit problems early The banking crisis is having an effect on everyone, including your customers that owe you money. Instead of waiting (and waiting and waiting) for them to pay you, try these tips for getting paid sooner. Continue reading "Catch credit problems early" Posted by Janet Attard on October 3, 2008 at 8:57 AM | Comments (0)Getting Through Tough Times You’d have to be Rip Van Winkle just waking up from a long sleep to be unaware of the precarious nature of the US economy right now. Here are some ideas you can use to help your business stay afloat. Continue reading "Getting Through Tough Times" Posted by Janet Attard on September 26, 2008 at 7:02 AM | Comments (2)Staying Ahead of Rising Gas Prices Did you notice the sudden, overnight jump in gas prices? Here are a few ideas and tools to help you cope. Continue reading "Staying Ahead of Rising Gas Prices" Posted by Janet Attard on September 12, 2008 at 9:54 AM | Comments (0)Sky High Interest Rates? One solution You just got a notice from your credit card company saying your interest rate has been doubled or worse. If you owe a large balance on that card, it's going to make your payment go up significantly. How are you going to handle the financial crisis that's going to cause? Continue reading "Sky High Interest Rates? One solution" Posted by Janet Attard on August 25, 2008 at 10:06 AM | Comments (8)Catch Credit Problems Early Keep an eye on aging accounts from existing customers. Don't wait until they are 3 or 4 months late try to collect... Continue reading "Catch Credit Problems Early" Posted by Janet Attard on May 23, 2008 at 9:49 AM | Comments (0)Change the Terms One problem businesses face as they grow is where to get money to buy more inventory and supplies to support increased demand from their customers. Here's a tip that can help you improve your cash flow and even reduce some expenses. Continue reading "Change the Terms" Posted by Janet Attard on May 5, 2008 at 9:53 AM | Comments (0)What's your real shipping cost? Shipping products to customers come with many hidden costs. Here's how you can be sure to account for all of them so you aren't losing money. Continue reading "What's your real shipping cost?" Posted by Janet Attard on April 18, 2008 at 7:43 PM | Comments (1)Tax Deadline Worries? Not going to make the upcoming tax deadline? Here's how you can buy yourself a little time. Continue reading "Tax Deadline Worries?" Posted by Janet Attard on April 10, 2008 at 3:07 PM | Comments (0)Business Loan Facts Here are some financial realities you probably won't hear from your banker. Continue reading "Business Loan Facts" Posted by Janet Attard on February 8, 2008 at 9:18 AM | Comments (4)Plug these holes in your bank account Are you subscribing to magazines or paying dues to groups that just don't benefit you anymore? If so, you could be wasting hundreds of dollars a month. Here's a way to keep up with these small expenses that drain your bank account. Continue reading "Plug these holes in your bank account" Posted by Janet Attard on January 9, 2008 at 9:25 AM | Comments (1)Free Help With Business Taxes Getting the latest tax information for your business is easier than you might think. The IRS provides easy to understand education programs each month in the form of free, live web casts. Find out more about the web casts and other resources here... Continue reading "Free Help With Business Taxes" Posted by Janet Attard on December 6, 2007 at 8:51 AM | Comments (0)Don't Be Afraid To Raise Your Prices Has your cost of business been going up, up, up, but your income hasn't? It's tempting to keep your prices low so you won't run off customers, but you can't stay in business if you can't pay your bills. Continue reading "Don't Be Afraid To Raise Your Prices " Posted by Janet Attard on December 5, 2007 at 3:35 PM | Comments (7)Estimate Your 2007 Taxes Now Here's a tax tip you need to act on right now if you are not a retailer: project your business sales and expenses through the end of this year to see what your profit will look like. Then estimate what your personal income taxes will be. Continue reading "Estimate Your 2007 Taxes Now" Posted by Janet Attard on November 21, 2007 at 2:47 PM | Comments (0)Speed Up Collections Does asking customers for payment make you uncomfortable? Unfortunately, there are people out there who will take advantage of you. Here are a few ideas for getting paid sooner... Continue reading "Speed Up Collections" Posted by Janet Attard on November 13, 2007 at 11:22 AM | Comments (0)Little "Gotcha" in Business Lines of Credit Ready to pay off your business line of credit? Before you write that check and mark the bill "paid in full," read this tip to avoid an unwelcome surprise. Continue reading "Little "Gotcha" in Business Lines of Credit" Posted by Janet Attard on November 7, 2007 at 10:26 AM | Comments (0)Keep Your Eye on the Hidden Costs of Purchases The actual cost for supplies you buy for your business isn't the only expense you incur in purchasing them. In addition to any direct expense, your cost includes the cost of time spent making the purchase... Continue reading "Keep Your Eye on the Hidden Costs of Purchases" Posted by Janet Attard on November 3, 2007 at 7:23 PM | Comments (0)The Easiest Way to Buy at a Discount Small business owners often don't like haggling over prices. However, your chances of getting a discount are pretty much nil if you don't ask. Continue reading "The Easiest Way to Buy at a Discount" Posted by Janet Attard on November 3, 2007 at 7:08 PM | Comments (0)Are You Throwing Away Money? Are you throwing away 50 cents of every dollar you earn? You are if you underreport your deductible expenses on your tax return... Continue reading "Are You Throwing Away Money? " Posted by Janet Attard on November 3, 2007 at 4:00 PM | Comments (0)Plug This Hole In Your Budget Now Are you still using the same telephone service you were 5 or 10 years ago? If so, you could be paying as much as double or triple what you need to be spending for phone service - particularly if you make many long distance calls... Continue reading "Plug This Hole In Your Budget Now" Posted by Janet Attard on November 3, 2007 at 10:46 AM | Comments (0)Increase Profits Without Increasing Sales Many small business owners are so focused on growing sales that they forget to keep a close eye on costs and profits. If there's cash in the bank and customers coming in the door, they don't take the time to see how money is being spent and what jobs or products are the most profitable. The result? Profits that could go straight to the business' bottom line fly out the window in the form of wasted time and unnecessary purchases. Continue reading "Increase Profits Without Increasing Sales" Posted by Janet Attard on November 2, 2007 at 10:47 AM | Comments (1)Take Your Financial Pulse Regularly Don't wait until the end of the year to look over your profit and loss and other financial statements. Review these records monthly so you can spot negative trends early... Continue reading "Take Your Financial Pulse Regularly" Posted by Janet Attard on November 1, 2007 at 9:37 AM | Comments (0)What's Your Break-Even Point? Will your new business make money? At what point will you start making a profit on the new product you plan to introduce? Don't guess. Determine the answer in advance by doing a break-even analysis... Continue reading "What's Your Break-Even Point?" Posted by Janet Attard on October 30, 2007 at 8:46 AM | Comments (0)Convert an Expense to a Profit How can you turn an expense into a profit? One business turned what had been a $35,000 expense into a $15,000 profit. Find out how. Continue reading "Convert an Expense to a Profit" Posted by Janet Attard on October 19, 2007 at 9:49 AM | Comments (0)Use Credit Cards to Finance Your Business Sometimes the most expedient way to finance your business is to use credit cards. If you have a good credit history, and a couple of credit cards, you may have $25,000 or more in credit available to you just by signing your name. Continue reading "Use Credit Cards to Finance Your Business" Posted by Janet Attard on October 11, 2007 at 10:47 AM | Comments (0)Take Advantage of Business Credit Card Perks Here's an easy way to give yourself some nice perks: charge as many of your business expenses as possible to a business credit card that offers cash back, points or travel miles for your spending. Continue reading "Take Advantage of Business Credit Card Perks" Posted by Janet Attard on October 3, 2007 at 9:56 AM | Comments (0)How To Cut Ink and Laser Toner Costs Today's color printers can turn any office into a quick print shop. But depending on your printer, the cost of ink or toner could get to be expensive... Continue reading "How To Cut Ink and Laser Toner Costs " Posted by Janet Attard on October 1, 2007 at 1:41 PM | Comments (0) |
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