A drop of honey catches more flies than a gallon of gall.

Abraham Lincoln

Claim Your Freedom

Freedom is not a destination. It's a journey.

You need to be free to choose the right road for yourself. The right road is the one that leads to your best. All that matters is that you end up a free person - free to decide where you want to go and how you intend to get there.

The method is simple: act freely and freedom will be yours. Because being free is being real, if you want to be free, you need to make friends with the truth.

No matter how clearly you can point to forces blocking you, the most important obstacles to you freedom are within.

You are the one who permits obstacles to block your path. While being stuck is frustrating, it also keeps you from risking, safe from failure and from discovering your weaknesses and shortcomings. Your prison is always your choice. To break free, you have to give up whatever security being bound offers.

You should be able to face the present without the emotions of the past intruding. In the end you're only as free as you are in your heart. Your freedom lies just behind your forgiving. When you free yourself, you also free the world.

I am free.
I declare it.

Don’t ever let your problems become an excuse.

Anonymous

Attitude

The longer I live
The more I realize the impact of attitude on life.
Attitude, to me, is more important than the past,
Than education,
Than money,
Than circumstances,
Than failures,
Than success,
Than what other people think or say or do.

It is more important than appearance,
Giftedness or skill.
It will make or break an organization,
A school, a home.

The remarkable thing is we have a choice every day
Regarding the attitude we will embrace for that day.
We cannot change our past.
We cannot change the fact that people will act in a certain way.
We cannot change the inevitable.

The only thing we can do
Is play the string we have.
And that is our attitude.

I am convinced that life is 10 percent what happens to me
And 90 percent how I react to it.
And so it is with you.

God's Days

There are two days in the week upon which and about which I never worry -- two carefree days kept sacredly free from fear and apprehension. One of these days is Yesterday. Yesterday, with its cares and fret and pains and aches, all its faults, its mistakes and blunders, has passed forever beyond my recall. It was mine; it is God's.

The other day that I do not worry about is Tomorrow. Tomorrow, with all its possible adversities, its burdens, its perils, its large promise and performance, its failures and mistakes, is as far beyond my mastery as its dead sister, Yesterday. Tomorrow is God's day; it will be mine.

There is left, then, for myself but one day in the week - Today. Any man can fight the battles of today. Any woman can carry the burdens of just one day; any man can resist the temptation of today. It is only when we willfully add the burden of these two awful eternities - Yesterday and Tomorrow - such burdens as only the Mighty God can sustain - that we break down.

It isn't the experience of Today that drives men mad. It is the remorse of what happened Yesterday and fear of what Tomorrow might bring. These are God's Days ... Leave them to Him.

Don’t be afraid to go out on a limb. That’s where the fruit is.

Arthur F. Lenenhan

On Letting Go

To "let go" does not mean to stop caring, it means I can't do it for someone else.

To "let go" is not to cut myself off, it's the realization I can't control another.

To "let go" is not to enable, but to allow learning from natural consequences.

To "let go" is to admit powerlessness, which means the outcome is not in my hands.

To "let go" is not to try to change or blame another, it's to make the most of myself.

To "let go" is not to care for, but to care about.

To "let go" is not to fix, but to be supportive.

To "let go" is not to judge, but to allow another to be a human being.

To "let go" is not to be in the middle arranging all the outcomes, but to allow others to effect their destinies.

To "let go" is not to be protective, it's to permit another to face reality.

To "let go" is not to deny, but to accept.

To "let go" is not to nag, scold, or argue, but instead to search out my own shortcomings and correct them.

To "let go" is not to adjust everything to my desires, but to take each day as it comes, and cherish myself in it.

To "let go" is not to criticize and regulate anybody, but to try to become what I dream I can be.

To "let go" is not to regret the past, but to grow and live for the future.

To "let go" is to fear less, and love more.

Company Financial management from the small firm is characterized, in several different cases, by the necessity to confront a
somewhat different set of problems and opportunities than those faced by a large corporation. One immediate and obvious
distinction is that a majority of smaller businesses do not normally have the chance to openly sell issues of stocks or bonds so
as to raise funds. The owner-manager of a smaller firm must rely mostly on trade credit, bank financing, lease financing, and
personal equity to finance the business. One, hence faces a far more severely restricted pair of financing choices than those
confronted by the monetary vice president or treasurer of a large corporation.

On the other Hand, when small business financial management is concern, many fiscal issues facing the small firm are extremely
similar to those of larger corporations. For instance, the analysis necessary for a long-term investment choice such as the
purchase of heavy machines or the evaluation of lease-buy options, is essentially the same whatever the size of their firm. Once
the choice is made, the financing alternatives available to the business might be radically different, however, the decision
process will be generally similar.

1 area of Particular concern for the smaller business owner is in the effective management of working capital. Net working capital
is defined as the difference between current assets and current liabilities and is often thought of as the"circulating capital" of
the business. Deficiency of management in this crucial area is a key source of business failure in both small and large
businesses.

The business Manager must continually be alert to changes in working capital accounts, the cause of these changes and the
implications of those changes for the fiscal health of the company. One convenient and effective method to underline the crucial
managerial requirements in this area would be to view working capital in terms of its major components:

Cash and Equivalents. This most liquid type of current assets, cash and cash equivalents (usually marketable securities or
short-term certification of deposit) requires continuous oversight. A well planned and maintained money budgeting system is
imperative to answer crucial questions like: Why is the money level sufficient to satisfy current expenses as they come due? What
are the timing relationships between cash inflows and outflows? When will peak cash needs happen? What's going to be the size of
bank borrowing required to fulfill any cash shortfalls? So when will this borrowing be required and if will repayment be expected?
Accounts Receivable. Almost all companies are required to extend credit to their customers. Key issues in this area include: Is
the number of accounts receivable fair in relation to sales? On the average, how quickly are accounts receivable being
accumulated? Which clients are"slow payers?" What actions ought to be taken to rate sets where needed?Inventories.Inventories often constitute 50 percent or more of a firm's current assets and so, are worthy of close scrutiny. Key
questions which must be considered within this area include: Is the degree of inventory reasonable concerning sales and the
working characteristics of the business? How quickly is stock turned over compared to other businesses in precisely the exact same
industry? Is any funds invested in dead or slow moving inventory? Are earnings being dropped as a result of insufficient inventory
levels? If appropriate, what actions ought to be taken to increase or decrease stock?

Accounts Payable and Trade Notes Payable. In a business, trade credit often provides a major source of financing for the company.
Key issues to investigate in this class include: Is the amount of money owed to providers reasonable in relation to purchases? Is
the company's payment policy such that it will enhance or detract from the company's credit score? If available, are reductions
being taken? Which are the timing relationships involving payments on accounts payable and collection on accounts receivable?Notes
Payable. Notes payable to banks or other lenders are another major source of financing for the company. Important questions in
this class include: what's the amount of bank borrowing employed? Can this debt amount reasonable in relation to the equity
financing of the firm? When will interest and principal payments fall due? Will funds be available to meet those obligations on
time?

Accrued Expenses and Taxes Payable. Accrued expenses and taxes payable represent responsibilities of the company as of the date of
balance sheet preparation. Accrued expenses represent such things as salaries payable, interest payable on bank notes, insurance
premiums payable, and similar items. Of main concern in this region, especially with respect to taxes payable, is the size,
timing, and availability of funds for the payment. Careful planning is required to insure that these obligations are met in time.

As a final Notice, it is important to realize that even though the working capital accounts previously are listed separately, they
must also be looked at in total and from the perspective of their relationship to one another: What is the overall trend in net
operating capital? Is this a healthy trend? Which person balances are responsible for the trend? How can the firm's working
capital position relate to similar sized companies in the industry? What can be done to correct the fashion, if necessary?

Obviously, the Questions posed are a lot easier to ask than to answer and you will find several"general" replies to the problems
raised. The manuals that follow provide hints, techniques, and instructions for effective management which, when tempered with the
expertise of the individual owner-manager and the unique demands of the particular sector, might be expected to improve the
ability to manage efficiently the financial resources of a company enterprise.

There's one Simple reason to understand and detect company financial planning on your company - to prevent failure. Eight of ten
new companies fail primarily due to the dearth of good financial planning.

Business Financial planning impacts how and on what terms you will be able to pull the funding required to establish, preserve,
and expand your company.

Financial Planning determines the raw materials you'll be able to afford to buy, the products you will have the ability to
produce, and whether you will have the ability to market them efficiently. It impacts the physical and human tools you will have
the ability to acquire to operate your business. It will be a significant determinant of whether you will have the ability to make
your hard work profitable.

This segment Provides an summary of the essential components of financial planning and management. Used sensibly, it will produce
the reader the small business owner/manager - familiar enough with all the principles to have a fighting chance of success in
today's highly competitive business environment.

A clearly Conceived, well recorded fiscal plan, establishing objectives and including the Use of Pro Forma Statements and Budgets
to ensure financial management, will Demonstrate not only that you understand 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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