A Practical Guide to Life

There is reason and purpose and harmony in the Universe. We are a part of all that, and a great amount of our work in this life is to learn that lesson.

We define life in terms of our body. You may like or hate your body, but it is the mechanism that defines what we call life. Most of us start out believing that we are our body, and it takes considerable effort on our part to overcome the complications of that misunderstanding.

We are here to learn lessons. That is what life is about. Each day we will have the opportunity to learn lessons. You may like the lessons or you may think them stupid or irrelevant.

There are no mistakes, only lessons. Growth is a process of trial and error experimentation. The experiences that we label failures are as valuable a part of the process as the experiments that ultimately work.

A lesson is repeated until it is learned. A lesson will be presented to you in various forms until you have learned it. When you have completely learned a lesson, you will then go on to the next one.

Learning lessons does not end. This is what life is about; as long as there is life, there are lessons.

What you make of this life is up to you. You already have everything you will ever need to learn your lessons. There is nothing you have to do first.

Every thing you experience in life is neutral. The only value of anything outside yourself is determined by the way you experience it.

When you have learned that lesson, it will be a powerful tool you can use to set up more lessons.

The Universe will bring you everything you need to learn your lessons. The value of your experiences is determined by you. The Universe will never bring you more than you can handle.

What you do with those resources is up to you. Whether your choice is to learn or to fail, the Universe will support your choice, and bring whatever you need to manifest it.

Whatever you choose, EVERYTHING WILL BE OKAY !!! From time to time, you will forget this.

I don’t sing because I am happy; I’m happy because I sing.

William James

Life's Little Instructions

Every so often you push your luck.

Never underestimate the power of a kind word or deed.

Never give up on anybody -- miracles happen every day.

Become the most positive and enthusiastic person you know.

Learn to listen.

Think big thoughts, but relish small pleasures.

Don't expect others to listen to your advice or ignore your example.

Opportunity sometimes knocks very softly.

Leave everything a little better than you found it.

Don't forget: a person's emotional need is to feel appreciated.

Never waste an opportunity to tell someone you love them.

Treat everyone you meet like you want to be treated.

Make new friends but cherish the old ones.

Don't use time or words carelessly, neither can be retrieved.

Judge your success by the degree that you're enjoying peace, health, and love.

Smile a lot: it costs nothing and is beyond price.

The Principles of Attitudinal Healing

The essence of our being is Love.

Health is inner peace.

Healing is letting go of fear.

Giving and receiving are the same.

We can let go of the past and of the future.

Now is the only time there is and each instance is for giving.

We can learn to love ourselves and others by forgiving rather than judging.

We can become love finders rather than fault finders.

We can choose and direct ourselves to the happy inside regardless of what is happening outside.

We are students and teachers to each other.

We can focus on the whole of life rather than the fragments.

Since love is eternal, death need not be viewed as fearful.

We can always perceive others as either extending love or giving a call for help.

If you argue and rankle and contradict, you may achieve a victory sometimes; but it will be an empty victory because you will never get your opponent’s good will.

Benjamin Franklin

Business Financial management from the business is distinguished, in several distinct instances, by the need 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 vast majority of smaller firms do not normally have the chance to openly sell issues of stocks or bonds so
as to raise capital. The owner-manager of a bigger firm must rely mostly on trade credit, bank financing, lease financing, and
private equity to fund the company. One, hence faces a much more severely restricted set of financing choices than those
confronted by the monetary vice president or treasurer of a massive corporation.

On another Hand, when small business financial management is concern, many fiscal issues facing the small firm are very similar to
those of larger corporations. By way of example, the investigation necessary for a long-term investment choice like the purchase
of heavy machines or the evaluation of lease-buy options, is essentially the same regardless of the size of their company. Once
the choice is made, the funding choices available to the business might be radically different, but the decision procedure will be
generally comparable.

One area of Special concern for the smaller business owner lies in the effective management of working capital. Net working
capital is defined as the difference between current assets and current liabilities and is frequently thought of as
the"circulating capital" of the enterprise. Lack of management in this vital area is a primary source of business failure in both
small and large firms.

The business Manager must continually be alert to changes in working capital accounts, the cause of these changes and the
consequences of those changes for the fiscal health of the company. 1 convenient and efficient method to underline the key
managerial requirements in this area is to view working capital in terms of its important components:

Cash and Equivalents. This most liquid form of present assets, cash and cash equivalents (usually marketable securities or
short-term certificate of deposit) requires continuous oversight. A well planned and maintained cash budgeting process is
imperative to answer key questions such as: Is your money level sufficient to meet current expenses as they come due? What are the
timing connections between cash inflows and outflows? When will peak cash needs occur? What will be the magnitude of bank
borrowing needed to meet some cash shortfalls? When will this borrowing be required and when may repayment be expected? Accounts
Receivable. Virtually all businesses are required to extend credit to their clients. Key issues in this area include: Is the
number of accounts receivable reasonable in relation to sales? On the average, how quickly are accounts receivable being
accumulated? Which clients are"slow payers?" What actions should be taken to speed collections where required?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 in this area include: Why is the level of inventory reasonable concerning sales
and the operating features of the small business? How quickly is inventory turned over in relation to other companies in the exact
same industry? Is any funds invested in dead or slow moving stock? Are earnings being dropped due to inadequate inventory levels?
If appropriate, what actions should be taken to increase or reduce inventory?

Accounts Payable and Trade Notes Payable. In a business, trade credit often provides a significant source of funding for the firm.
Key issues to investigate in this class include: Is the amount of money owed to providers reasonable in relation to purchases? Is
the firm's payment policy such that it will improve or detract from the firm's credit rating? If available, are discounts being
taken? Which will be the timing relationships between payments on accounts payable and set on accounts receivable?Notes Payable. Notes payable to banks or other lenders are another significant source of funding for the company. Important
questions in this class include: what's the amount of bank borrowing used? Is this debt amount reasonable in relation to the
equity funding of the company? When will interest and principal payments fall due? Will it be available to meet those obligations
in 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 these items as salaries payable, interest payable on bank notes, insurance
premiums payable, and related items. Of primary concern in this area, particularly with respect to taxes payable, is the size,
timing, and availability of funds for payment. Careful planning is required to insure that these obligations are met in time.

As a final Notice, it's important to realize that even though the operating capital accounts above are listed separately, they
need to also be looked at in complete and from the perspective of the connection to one another: What is the overall trend in net
operating capital? Is this a healthy trend? Which person balances are responsible for this trend? How does the company's working
capital position relate to similar sized companies in the industry? What could be done to correct the fashion, if needed?

Of course, the Questions posed are a lot easier to ask than to answer and you will find few"general" answers to the problems
raised. The guides that follow provide hints, techniques, and instructions for effective management which, when tempered with the
experience of the individual owner-manager along with the distinctive demands of the particular industry, may be expected to
enhance the ability to manage efficiently the financial resources of a company enterprise.

There's one Easy reason to comprehend and detect company financial planning in your business - to prevent failure. Eight of ten
new companies fail primarily due to the lack of good financial planning.

Company Financial planning impacts how and on what terms you'll have the ability to attract the funding required to establish,
maintain, and expand your business.

Financial Planning decides the raw materials you'll be able to afford to buy, the products you'll have the ability to create, and
whether or not you will be able to market them efficiently. It impacts the physical and human resources you will have the ability
to acquire to operate your small business. It will be a significant determinant of whether you will be able to make your hard work
rewarding.

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

A clearly Conceived, nicely documented fiscal plan, establishing objectives and such as the The use of Pro Forma Statements and
Budgets to ensure financial control, will Demonstrate not just that you know exactly what you wish to do, but you understand how
To achieve it. This demonstration Is Vital to attract the funds Required by your company from creditors and investors.

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