Bamboo Slips70893

Invoice Discounting is Another Income Tool

2007-11-16T17:19:00.000-08:00

Money is a valuable tool in any business and invoice discounting can be one way to find that much needed capital. It is similar to factoring, in that the accounts receivable are sold to an outside company, but with invoice discounting the original owner maintains the records and customer information as well as doing the collecting of invoices in house. This means that at the end of the day the client company (or the one that is borrowing money against outstanding invoices) will be responsible for any bad debts.

The client company (again, this is the company that is selling the income of outstanding invoices) is subject to more requirements with invoice discounting than with factoring. Typically the client company will be larger (bringing in a higher yearly income than with factoring) and have to be willing to be audited. It is also important that the client company have a large number of invoices and no one customer responsible for more than 20% of the invoice balance. Diversity is important.

The client company maintains control of the consumer information with closed invoice discounting. This can be good, because the customers will never know that the invoices were sold. The bad side is that the client company will still have to put forth the man hours and effort to collect the debts. The money collected by the client company is deposited into a bank account that is controlled by the invoice buyer. This helps maintain a working honesty between the two companies. Any money that is left over is returned to the client company.

Invoice discounting is not for all companies. The expense of collection still falls on the client company, as does the hassle of making the collections. It does offer cash in advance of collection, and for that reason alone it is sometimes the best option.

Kathryn is a freelance journalist writing on business finance issues, such as invoice discounting and accounts for business.

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Serving Up Some Humor in the Islands

2007-11-14T18:01:00.000-08:00

I had been married for a year and we hadnt been able to afford a honeymoon. So we saved for a year, picked a Montego Bay resort in Jamaica, off a travel brochure, and prepared for a long week-end getaway over Presidents Day. We lived in New Jersey at the time and hadnt traveled much. My wife was from a very small town in West Virginia and never been in a hotel before.

We arrived on the island and got an airport shuttle to the resort. It was beautiful and exciting. We unpacked and headed downstairs to the outdoor caf for dinner. After a multiple course meal, my wife said, Thank you Walter, as the black man in the crisp white suit cleared our table. As we walked away, I asked how she knew his name. She informed me that it was on his nametag. I escorted her back up to our room where she used the key and opened the door. Immediately, she slammed the door and pushed me back down the hallway.

Oh my god, weve been robbed? she exclaimed, obviously shaken.

Youre kidding, I replied in disbelief.

No, really. Everythings been touched. All our stuff has been moved. I didnt see our suitcases, clothes or anything. Im afraid to go back in. We should go talk to the manager right now, she demanded.

Calm down, I said. Let me take a peek, and I grabbed the key out of her still- shaking hand.

Please dont do it,she pleaded, as I walked to the door anyway.

I gently pushed the door open and saw the problem. Our stuff had definitely been touched. The suitcases we left on the bed were against the wall. The bed was now made and turned down. The robbers had even gone to the trouble to place small chocolate mints on the pillows as a thank you for allowing us to let them steal us blind. Inside the bathroom, I noticed that the towels had been straightened by the criminals. They had even left fresh soap, the swine!

My wife was waiting patiently outside as I returned.

Its okay, I reassured her. It think the burglars worked for the hotel.

What do you mean? she asked, somewhat puzzled.

It was the maid. They do that sort of thing at nicer hotels. Like turning down the bed, getting us fresh towels and, did you notice the mints?

Mints? She replied as she gingerly followed me back inside.

At that point she settled down and began to enjoy the resort. Two days later, after having all our meals at the hotel with the same server, we had just finished our dessert after dinner. It was our last meal and Walter thanked us for our generous tips, my wife and I were walking away when I saw another server at the hostess stand. She wore a name badge that read, Waiter.

I turned to my wife, who had relatively poor eyesight and said, Could you stay here a minute? She looked perplexed but waited as I left to find our waiter.

I walked up to him and said, Excuse me, but whats you name?

He was surprised, but said, Why its Cedric, sir. Why do you ask?

Well, my wife called you Walter for three days and you never once corrected her.

He simply smiled and said, That would be rude to correct a guest, sir.

I reached in my wallet and gave him a twenty dollar bill, Thats for the excellent service, I told him, strolling away to find my wife,

After I told her the story, she laughed until tears rolled down her nearsighted eyes.

Jeffrey Hauser was a sales consultant for the Bell System Yellow Pages for nearly 25 years. He graduated from Pratt Institute with a BFA in Advertising and has a Master's Degree from Monmouth University. He had his own advertising agency in Scottsdale, Arizona and ran a consulting and design firm, ABC Advertising. He has authored 6 books and a novel, "Pursuit of the Phoenix," available at amazon.com. His latest book is, "Inside the Yellow Pages." Currently, he is the Marketing Director for thenurseschoice.com, a Health Information and Doctor Referral site.

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When Should You Not Cash Out Your Annuity?

2007-11-13T14:32:00.000-08:00

You should not cash out your annuity when its not in your best interest. Here are 3 reasons it might not be in your best interest; its too soon, you dont have a good enough reason, it will cost you too much. Every day someone cashes out their annuity or settlement when it might not have been in their best interest. Its an easy mistake to make when the call of money and burden of financial stress is weighing heavily on you. But read carefully and maybe you can avoid digging the hole deeper.

If you are a minor, or the parent of a minor trying to cash out an annuity, its too soon. Courts will rarely approve an advance of a minors settlement except in cases of extreme need. A guardian will need to be appointed to make sure the transaction is in the best interests of the minor and not the parent. Another way it can be too soon, your payments are too far away. $100,000 due in 2025 is not going to get you $100,000 today. In fact, you wont even get $25,000. The payout date is too far away.

Unless you have a good enough reason. If you feel secure that your $25,000 dollars will yield over the next 20 years a return equivalent to the $100,000 you would have received, than maybe its not such a bad idea. Plenty of courts around the country will be very interested in your reason for acceleration your settlement or annuity payments. Judges do their best to evaluate for you whether the transaction is your best option. Turning in your monthly payments to buy a new car may not be the best idea. Buying a home, attending school, averting financial disaster, keeping a home, important medical needs, all are great reasons to cash in future payments. Anything else deserves a second look and more serious consideration.

What also deserves serious consideration is the bottom line. If you have to give up 50% or more of your annuitys value is it worth it? Thats a very expensive purchase you are making when you give up $100,000 to get $25,000. And if your $25,000 buys you a car that depreciates and breaks down in 5 years, you have so little to show for your money. I think investing in start up businesses, vacations, recreational vehicles, and entertainment items are often questionable reasons to cash in structured settlement payments.

The courts, the settlement cash out companies, your family and friends will all have their opinions as to whether you should get an advance on your future payments. But the risk and responsibility to make the best possible choice rests on your shoulders. Ask yourself if what you are getting is worth what you are giving up. There are great reasons to get your money sooner rather than later, but there are also times when cashing out is not in your best interest.

Jason M. Rigler
JasonR@ppicash.com
http://www.PPICash.com

Committed to educating future payment recipients in the good, bad, and ugly of accelerating payments.

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Earn Extra Cash from Home With This Dynamite Strategy

2007-11-10T13:25:00.000-08:00

Do you have more time than cash, and are willing to put your time to good use? Then you should pay close attention to this surefire tip that will help you earn extra cash from home. You will find this easy to start and even easier to maintain, because you will not have to do anything to maintain it once it is up and running.

A few months ago I decide to take a closer look at the idea of earning money using domain names. Yes, I have seen many references to this but I never took the time to examine this in any detail. Well! I'm glad I did and I am here to share my research with you.

Domain names are available from two basic sources. You can buy a domain name that has never been used before, or get one that has expired because the original owner either forget about it, died, or is not interested anymore. Getting an original domain name that has never been used before is difficult as you can imagine, but it is not impossible.

The benefit of getting a domain name that was previously registered is the possibility of getting residual traffic from the domain because of previous incoming links to that domain. These sites will cost you more to register, but if you can get a suitable one from one of the sites that sell them, it could turn out to be very lucrative for you.

To earn cash from home using a domain name, you can do the following: Get a suitable type-in domain name, register it, and then park it at one of the many sites that will host parked domain names for you. You will then share the revenue that your domain generates through the search engines. Your only cost for doing this will be the cost of buying the domain name which can be had for under $2.00 from yahoo or under $8.00 from godaddy.

This can be a lucrative strategy but you must get a few things right. These are the steps that you should take in order to earn extra cash from this venture, and build a nice little nest egg of residual income:

1. Research type-in phrases that people use on the net. A type-in phrase is a phrase that someone will type directly into a browser, not a search engine. An example would be shoppingtriptonewyork. You will assume that the search engine will give you the .com TLD or extension, for that site, so some people do not even type the extension.

As you can summarize from the above example, the person may want to know what to look for if he or she should decide to take a shopping trip to New York. So instead of typing anything else in a search engine, the user "tries his luck" so to speak, hoping that there is a website with the exact name and information that he has entered into the browser.

To research the name, use the inventory.overture.com site to find how many times your phrase may have been entered into a browser or search engine. Do not forget that there can be dashes (-) between words as well if the phrase is too long. An example of that one might be game-show-hosts. Now that you have found a phrase that has some traffic or searches, you will want to see if it is registered. Any registrar, such as godaddy or 1and1 will give you that information. Let us move on to your next task.

2. Now you want to register the name that you have found. You can use the same registrar you used to research the name to register the same name. This can be very inexpensive. I have registered names for under 2 dollars for a whole year!

3. Now you are ready to park the domain. There are many good domain parking facilities. Your best bet will be to do a search for domain parking in order to find a good one. You will also want to choose at least three (3) keyword or phrases that will drive traffic to your new domain name. To do this, think about what people are looking for when they type in your domain name. Expand on that phrase or find a suitable synonym.

Once you have parked the name, you can read the tutorials from the domain parking service to see how you can help them to optimize the page that was created for your domain name. You can do several things to help drive traffic to the site, but these must fall within the terms of service of the site that is hosting your domain name.

Now, since you want to earn extra cash from home using this facility, you will want to make sure that you do nothing to violate the terms of service. Your free domain host will be driving traffic to your parked domain, and share the revenue with you. If you earn only 5 bucks a month from this site, you will have made a profit of $52.00 per year or over 650%. Now think of what would happen if you had 200 of those sites paying you 650% a year in profit? There are people who have hundreds of these domain names and this is how the earn extra cash from them.

Anthony Chambers writes articles that help his readers solve immediate problems. Found this article useful and need more information? Visit him at: DomainParking or get started with your own business today at: http://www.YouShouldBeRich.com

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Manifesting Abundance And Prosperity - 5 Tips

2007-11-05T18:10:00.000-08:00

Manifesting abundance and prosperity has a lot of awareness and buzz today. Who doesn't want more in life then just going to work and making ends meet. Have you noticed many people are content with just knowing. They can answer every question, have a solution to every situation, and are never at a loss for words. Yet they do not manifest the very thing they speak most about, which is abundance and prosperity.

Here are 5 tips that will help you on your journey to prosperity.

First, You must know what abundance and prosperity really are. It is not money. Money is the outcome. It happens on the inside, thoughts, feelings, mindset, attitudes, perspectives, are all formed by what you have in the deepest part of you. When you look at your bills do you see more then enough, abundance, or not enough, scarcity. Do this in every area, friends, nature, food, companies. Do you see abundance or scarcity. You see, once you really know, in the deepest part of you, everything on the outside changes.

Second, You take action. Once you really know, deep inside, then it is time to act. Make choices out of an abundance and prosperous mind, instead of scarcity and lack. You will be attracting new opportunities. You will no longer lead a fear based life, you know, the ole, what will I do if...

Third, No looking back. The tendency for some is to look back and then go back. Here is a startling reality. Some of your friends and family will not like your prosperity. In fact they will think you are one of those holier then thou, stuck up people. Here is a harsh truth. New friends will gravitate toward you. Some of your old friends will disappear. Some will really get it and come along with you. Keep moving forward, help those that want help but do not get bogged down in the mud with those that have no dreams.

Fourth, Enjoy abundance and prosperity. Be thankful when you see it and when you don't. It's time to start enjoying life. Here is the irony. The more you enjoy things, the more you will manifest. Take time to really enjoy everything. My daughter and I have a date each week. We grab a sandwich and go to an island, to watch the dolphins swim. We really enjoy creating memories and living in the moment. Yet we here others complain about the heat, humidity, mosquitoes... Enjoy life.

Fifth, Have a little faith. It really does move mountains. Worry, stress, anxiety, doubt. All these are not ways to manifest abundance and prosperity. They are red flags to get you back on track. Wake up everyday with a little faith and you will see things much differently, and you will indeed manifest the abundance and prosperity that is deep inside you.

Prosperity loves speed and rewards those that take action. Hard to believe prosperity can activated in one day let alone 29 seconds. If you are ready to set prosperity in motion visit Prosperity Secrets Unplugged today!
http://www.prosperitysecretsunplugged.com
Anthony Kollar

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Selling Ebooks? Learn How to Make Your Ebook Sell

2007-11-03T16:47:00.000-07:00

One of the most common questions we get at Ebook Architect is how much money will I make selling ebooks? Well, like most businesses the answer will depend on many different factors. For example the amount of time you put into the promotion of your ebook will have a direct consequence on sales and market interest in your ebook topic is another important factor. People who are good at picking good ebook topics and promoting their ebooks usually stand to make a lot of money with ebooks.

How Much Money You Ask?

Some Ebook entrepreneurs lose money in the course of a year while some make hundreds of thousands of dollars. More realistically however is somewhere in between these two points. Many ebook authors make between $5,000 and $20,000 a year.

How to Maximize Ebook Sales

The best way to ensure optimum sales is to constantly promote your ebook. This may mean staying in on weekends and staying up late during the week. Some of the best ways to promote your ebook include buying advertising from large advertising portals such as Google and Yahoo, partaking in link exchanges, writing articles for websites and Ezines, building an information dense website and writing great ebook sales pages. Accomplishing all of this is no minor feat. You should expect to be in product development for between 1-6 months and then the promotional aspect may take another 4-12 months. Its not necessarily an easy job but as stated above the payoff could be substantial.

Worst Case Scenario

Even if you decide half way through the process that ebook entrepreneurship is not your cup of tea, you will still have written an ebook and be selling it online. That makes you an author; congratulations. Not only will you be an author but your ebook may give you some extra pocket change on a monthly basis. If nothing else, it will be a good learning experience. You have nothing to lose, so why not give it a shot?

Written By John R.
Ebook Architect
http://www.zizzoo.com/guides/ebook/index.php

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Antioxidants v Free Radicals - Our Personal Health War

2007-11-01T19:24:00.001-07:00

Do you have a raging health war going on in your body? And if so, which side is winning; cell destroying free radicals or health balancing antioxidants? And how can you make sure 'the good guys' have the upper hand?

Discover how you can increase your personal health battalion..

Living is dangerous! Well you knew that; it's what we're being told every day of our lives, isn't it?

Now it seems that many of the major diseases such as heart disease, strokes, cancer, diabetes, cataracts, arthritis and neurodegenerative disorders such as Parkinson's and Alzheimer's are a result of our bodies losing our internal health war.

And the two sides to this war? Free radicals (the baddies) and Antioxidants (the goodies).

Why are free radicals the baddies? Because they are destructive

So what are free radicals and why are they detrimental to our health?

Free Radicals - A Hidden Scourge To Our Health

Free radicals are compounds with unpaired electrons. They stabilise by oxidising other molecules - including proteins, carbohydrates, lipids and DNA. The problem is when they do this it often creates more free radicals, which is not good news. When the free radicals oxide our cells they can cause considerable damage and some scientists have suggested they are a direct cause of diseases like lung cancer, atherosclerosis and Alzheimer's.

"One per cent of the oxygen we consume turns into ROS," says biochemist Barry Halliwell from the National University of Singapore. "It doesn't sound like much but humans are big animals and we breathe a lot. Over a year a human body makes 1.7 kilograms of ROS." That's a lot of free radicals!

How Do Free Radicals Get Into Our System?

They are part of the chemical functions of our bodies, according to scientific research. You see even breathing puts our health in danger because of the free radicals this creates in our system.

When you breathe in oxygen you produce radicals - specifically reactive oxygen species (ROS). It's a by-product of our respiratory system. More free radicals are generated by our exposure to other catalysts in our modern oxygen-rich atmosphere such as smoke, exposure to X-rays, ozone, air pollutants, microbial infections, industrial chemicals and intensive exercise.

Bring on the goodies

Antioxidants - Our Natural Life-Savers

Our system works to eliminate these dangerous free radicals with antioxidants, which effectively pair off with and neutralise the free radicals before they can attack our healthy cells.

How do we fortify our powerful army? Make sure we get enough antioxidants to combat the free radicals?

By eating plenty of fruit, vegetables and other antioxidant-rich foods. Scientists recommend a daily dietary allowance of 4000 ORACs of antioxidants. (ORAC - Oxygen Radical Absorbance Capacity - is a method of measuring antioxidant contents in different foods).

Some foods contain higher levels of polyphenols, which are antioxidants. For example green tea and red wine contain more polyphenols than some fruit.

Feed Your Internal Army with Healthy Chocolate

But the good news for chocolate lovers everywhere is that the cocoa bean, from which chocolate derives, contains a powerful class of polyphenols known as procyanidin flavonoids. These flavonoids contain multiple units of polyphenols which work harder to prevent harmful LDL-cholesterol becoming oxidised and taken into your artery walls.

It reduces the risk of heart disease and the risk of strokes. In fact research has shown the cocoa bean is richer in polyphenols than either red wine or green tea.

Scientific Research Discredits The Myth That Chocolate is Unhealthy

Let me qualify this somewhat. The majority of ordinary chocolate does not contain very high levels of these remarkable cocoa polyphenols. Unfortunately the processing that takes the cocoa bean from harvesting to its final chocolate form eliminates a high proportion of the naturally occurring polyphenols - up to 70%. Dark chocolate, that contains a higher cocoa content, does have more of these antioxidants than milk chocolate. Which is why nutritionists recommend eating dark chocolate rather than milk.

But dark chocolate is not to everyone's taste. The very high cocoa content can give the chocolate a bitter taste. You may find that more expensive, dark chocolate is more palatable. For the additional health benefits you gain, it might be worth developing a taste for it.

One caveat though don't take these findings as an excuse to binge on chocolate. It should be taken in moderation as part of a healthy diet and active lifestyle. It's just that now you don't have to feel guilty about enjoying a small amount of chocolate on a regular basis.

2007 Julian Atkinson & Carol A E Bentley

Discover more about the health benefits of antioxidant-rich chocolate (milk and dark chocolate properties) at http://www.delvaux-acticoa.com

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