If you’re not sure where you are going, you’re liable to end up someplace else

Robert F. Mager

The School of Life

Respect all people - the old, the young, the rich, and the not so rich.

Try not to worry.

Don't tell everyone your business.

Be happy with the things you have.

Exercise every day.

Don't go looking for trouble.

Look for the good in everything and everyone.

Get enough sleep.

Try to forgive and forget.

Always do what you think is right.

Don't worry about what people think of you.

Spend time with your family.

Make time to see friends.

Don't spend money that you don't have.

Try to be happy.

Be kind.

Don't be afraid to say what you think.

Try to be the best that you can be.

If someone were to pay ten cents for every kind word you ever spoke and collect five cents for every unkind word, would you be rich or poor?

Anonymous

Finding God Within and Without

How do I find You God?

God is Love.
If you have ever loved,
If you have ever been loved,
You have experienced God
from Within and Without

God is Truth.
If you have ever told the truth,
If you have ever discovered Truth,
You have experienced God
from Within and Without

God is Beauty.
If you have ever helped to create something beautiful,
If you have ever witnessed beauty in any of it's myriad forms,
You have experienced God
from Within and Without

God is Good.
If you have ever done or thought something good,
If you have ever recognized goodness in or through another,
You have experienced God
from Within and Without

All of those experiences, those gifts,
of Love, Truth, Beauty and Goodness
were directly from God through you. Or to you.

Glad to Meet You God. Let’s hang out together.

I can live for two months on one good compliment

Mark Twain

Just For Today

Just for today I will try to live through this day only, and not tackle all my problems at once. I can do something for twelve hours that would appall me if I felt that I had to keep it up for a lifetime.

Just for today I will be happy. This assumes to be true what Abraham Lincoln said, that "Most folks are as happy as they make up their minds to be."

Just for today I will adjust myself to what is, and not try to adjust everything to my own desires, I will take my "luck" as it comes, and fit myself to it.

Just for today I will try to strengthen my mind. I will study. I will learn something useful. I will not be a mental loafer. I will read something that requires effort, thought and concentration.

Just for today I will exercise my soul in three ways: I will do somebody a good turn, and not get found out; if anybody knows of it, it will not count. I will do a least two things I don't want to do--just for exercise. I will not show anyone that my feelings are hurt; they may be hurt, but today I will not show it.

Just for today I will be agreeable. I will look as well as I can, dress becomingly, keep my voice low, be courteous, criticize not one bit. I won't find fault with anything, nor try to improve or regulate anybody but myself.

Just for today I will have a program. I may not follow it exactly, but I will have it. I will save myself from two pests: hurry and indecision.

Just for today I will have a quiet half hour all by myself, and relax. During this half hour, sometime, I will try to get a better perspective of my life.

Just for today I will be unafraid. Especially I will not be afraid to enjoy what is beautiful, and to believe that as I give to the world, so the world will give to me.

For of sad words of tongue or pen, the saddest of these; it might have been

John Greenleaf Whittier

Company Financial management in the business is distinguished, in many distinct instances, by the need to confront a somewhat
different set of problems and opportunities than those faced by a massive corporation. One immediate and obvious distinction is
that a vast majority of smaller firms do not ordinarily have the chance to openly sell issues of stocks or bonds in order to raise
capital. The owner-manager of a bigger company must rely primarily on trade credit, bank financing, lease financing, and personal
equity to finance the business. One, hence faces a much more severely restricted set of financing choices than those faced by the
monetary vice president or treasurer of a massive corporation.

On the other Hand, if small business financial management is concern, many financial problems facing the small firm are extremely
similar to those of larger businesses. By way of instance, the analysis required for a long-term investment decision such as the
purchase of heavy machines or the test of lease-buy alternatives, is essentially the same regardless of the size of the firm. Once
the choice is made, the funding alternatives available to the firm may be radically different, however, the decision procedure
will be generally similar.

1 area of Special concern for the smaller business owner lies in the successful management of working capital. Net working capital
is defined as the gap between current assets and current liabilities and is often thought of as the"circulating capital" of the
enterprise. Deficiency of management in this vital area is a key cause of business failure in both small and large firms.

The Business Enterprise Manager must always be alert to changes in working capital accounts, the reason behind those changes and
the consequences of those changes for the financial health of the company. One convenient and effective system to underline the
crucial managerial requirements in this area would be to view working capital concerning its major components:

Cash and Equivalents. This most liquid type of current assets, cash and cash equivalents (usually marketable securities or
short-term certificate of deposit) requires constant supervision. A well planned and maintained money budgeting system is
imperative to answer key questions such as: Is your cash level adequate to satisfy current expenses as they come due? What are the
time relationships between cash inflows and outflows? When will peak cash needs occur? What will be the magnitude of bank
borrowing required to fulfill any cash shortfalls? So when will this borrowing be required and when may repayment be anticipated?
Accounts Receivable. Almost all businesses are required to extend credit to their clients. Crucial issues in this field include:
Is the number of accounts receivable fair in relation to earnings? On the average, how quickly are accounts receivable has been
collected? Which customers are"slow payers?" What action should be taken to speed sets where needed?Inventories.Inventories often constitute 50 percent or even more of a firm's current assets and so, are deserving of close
scrutiny. Key questions that must be considered within this area include: Is your level of inventory reasonable concerning sales
and the operating features of the small business? How quickly is stock turned over compared to other companies in the same
industry? Is any capital invested in dead or slow moving stock? Are sales being dropped as a result of inadequate inventory
levels? When appropriate, what actions ought to be taken to increase or decrease inventory?

Accounts Payable and Trade Notes Payable. In a company, trade credit frequently provides a major source of funding for the firm.
Key issues to research in this class include: Is the sum of money owed to suppliers reasonable concerning purchases? Is the firm's
payment plan such that it will enhance or detract from the company's credit score? If available, are reductions being taken? What
are the timing relationships between payments on accounts payable and set on accounts receivable?Notes Payable. Notes payable to banks or other creditors are a second major source of financing for the company. Significant
questions in this course include: what's the quantity of bank borrowing employed? Can this debt amount fair in relation to the
equity funding of the company? When will principal and interest payments fall due? Will funds be available to meet those payments
on time?

Accrued Expenses and Taxes Payable. Accrued expenses and taxes payable represent responsibilities of the firm as of the date of
balance sheet preparation. Accrued expenses represent such items as wages payable, interest payable on bank notes, insurance
premiums payable, and related products. Of primary concern in this area, particularly with respect to taxes payable, is the size,
timing, and availability of funds for the payment. Careful planning must insure that these obligations are met in time.

As a final Note, it is very important to recognize that even though the operating capital accounts previously are recorded
individually, they need to also be looked at in complete and from the point of view of the connection to one another: what's the
general trend in net operating capital? Is this a healthy trend? Which individual balances are responsible for the trend? How does
the company's working capital position relate to similar sized companies in the business? What can be done to fix the fashion, if
necessary?

Of course, the Questions posed are much easier to ask than to answer and there are several"general" replies to the issues raised.
The guides that follow provide suggestions, techniques, and guidelines for successful management which, when tempered with the
experience of the person owner-manager and the distinctive demands of the specific sector, may be expected to enhance the ability
to handle effectively the financial resources of a business enterprise.

There is one Easy reason to understand and detect company financial planning on your company - to prevent failure. Eight of ten
new businesses fail primarily because of the dearth of good fiscal planning.

Company Financial preparation impacts how and on what terms you'll be able to pull the funding needed to establish, preserve, and
expand your business.

Financial Planning determines the raw materials you can afford to buy, the products you will be able to create, and whether or not
you will have the ability to market them economically. It impacts the physical and human tools you'll be able to get to operate
your business. It will be a significant determinant of whether you will have the ability to produce your hard work rewarding.

This section Provides an summary of the vital elements of financial management and planning. Used wisely, it will make the reader
the small business owner/manager - comfortable enough with all the fundamentals to have a fighting chance of success in today's
highly competitive business environment.

A clearly Conceived, well documented financial plan, establishing objectives and including the Use of Pro Forma Statements and
Budgets to ensure financial control, will Demonstrate not only that you know exactly what you wish to do, but you know how To
achieve it. This demonstration Is Vital to attract the capital Required by your company from creditors and investors.

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