Hitch your wagon to a star

Ralph Waldo Emerson

A Poem

God Made The Night ...

But He could not have known about those of us
who waited for the dark
To feel the first moments of privacy we had known all day,
Or to use that black secrecy to mutter curses at the day's faults.

He Also Fashioned The Sun ..

And choreographed the ballet called sunset;
But He didn't anticipate the agony that spectacle would create
Among those of us who counted the day past a loss
For it brought them not one step nearer the goals sought.

When He Breathed Out The Worlds Music ..

He planned joy,
But again we fail Him when we wince,
And fight tears, and denounce the beauty of it
Only because there is no beauty in the music of our souls.

God Planted Love Here ..

And it grows
Where hate had flourished
Or where it is scarcely recognized.
He planned on using it like a band-aid on the hurts of the heart.
But it won't stick on some of us,
Or it washes with salt tears,
Or we claim not to need it's protection.

Isn't it a marvel He doesn't despair of us?

I Listen

I Listen to the trees, and they say:
"Stand tall and yield.
Be tolerant and flexible.
Be true to yourself.
Stand alone, and stand together.
Be brave.
Be patient.
With time, you will grow."

I Listen to the wind, and it says:
"Breathe.
Take care of yourself --
body, mind, and spirit.
Take time.
Be quiet.
Listen from your heart.
Forgive."

I Listen to the sun, and it says:
"Nurture others.
Let your warmth radiate for others to feel.
Give yourself without expectations."

I Listen to the creek, and it says:
"Relax; go with the flow.
Tend to what's really important,
and let the rest go by.
Keep moving -- don't be hesitant or afraid.
Lighten up -- laugh, giggle."

I Listen to the mountains, and they say:
"Be there.
Be honest.
Be trustworthy.
Do what you say you're going to do.
Be true, genuine, and real.
Speak from the heart.
Don't cheat."

I Listen to the birds, and they say:
"Set yourself free.
Sing."

I Listen to the clouds, and they say:
"Be creative.
Be expressive.
Let your spirit run free.
Let yourself be light and gay,
but let yourself be heavy and sad.
Cry when you feel like it."

I Listen to the sky, and it says:
"Open up.
Let go of the boundaries and barriers
which you have created to protect yourself.
Experience change.
Fly."

I Listen to the flowers and small plants, and they say:
"Be humble.
Be simple.
Respect the beauty of small things.
Respect the beauty of humility and truth.
Let go of perfectionism.
Love yourself as you are; it opens the door to change.
Practice acceptance."

I Listen to the bugs and flying insects, and they say:
"Work.
Be productive.
Use your hands.
Focus on what's in front of you.
Ignore the past; there is only the present."

I Listen to the moon, and it says:
"Love.
Share love.
Make love.
Be romantic -- touch and caress.
Allow yourself to be loved.
Be gentle, kind, and understanding.
Use candles."

I Listen to the stars, and they wink and say:
"Play.
Dance, be silly, have fun."

I Listen to the earth, and it says:
"I am your mother.
I give you life.
Respect all that is around you.
Find beauty in all things -- living and not -- including
yourself; for we are all one -- not separate.
Be especially respectful to the very young and the very old,
for they are both very near God.
Give up the belief that you are a higher form of life;
there is no higher form of life.
We are equal because we are the same.
When you return to me, I will welcome you,
and I will set your spirit free.
Love and nurture your children; cook good food for them,
and hold them very close to you often.
Hold me close to you often as well,
and I will hold you in return; I will support you.
Have faith.

Great works are performed not by strength but by perseverance

Samuel Johnson

Company Financial management in the business is characterized, in many different cases, by the need to face a somewhat different
set of problems and opportunities than those faced by a large corporation. 1 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 in order to raise funds. The
owner-manager of a smaller company must rely mostly on trade credit, bank financing, lease financing, and personal equity to fund
the company. One, hence faces a much more severely restricted pair of funding choices than those faced with the financial vice
president or treasurer of a large corporation.

On the other Hand, if small business financial management is concern, many fiscal problems facing the small firm are very similar
to those of larger businesses. By way of example, the investigation required for a long-term investment decision such as the
purchase of heavy machinery or the test 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 procedure
will be generally comparable.

1 area of Special concern for the smaller business owner is in the effective management of working capital. Net working capital is
defined as the gap between current assets and current liabilities and is frequently considered as the"circulating capital" of the
business. Lack of management in this crucial area is a primary cause of business failure in both small and large businesses.

The Business Enterprise Manager must always be alert to changes in working capital accounts, the reason behind those changes and
the implications of those changes for the financial health of the corporation. 1 convenient and efficient method to highlight the
crucial managerial requirements in this area is to see working capital concerning its important components:

Cash and Equivalents. This most liquid form of current assets, cash and cash equivalents (usually marketable securities or
short-term certification of deposit) requires constant supervision. A well planned and maintained cash budgeting process is
imperative to answer crucial questions such as: Is your cash level adequate to satisfy current expenses as they come due? What are
the timing 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? When will this borrowing be necessary and if will repayment be expected?
Accounts Receivable. Virtually all businesses must extend credit to their customers. Key issues in this area include: Is the
amount of accounts receivable reasonable in relation to sales? On the average, how rapidly are accounts receivable being
collected? Which customers are"slow payers?" What action ought to be taken to speed collections where needed?Inventories.Inventories frequently constitute 50 percent or more of a firm's current assets and so, are worthy of close scrutiny.
Key questions that must be considered in this area include: Is your degree of inventory reasonable concerning sales and the
working characteristics of the business? How rapidly is inventory turned over in relation to other businesses in precisely the
exact same industry? Is any capital invested in dead or slow moving stock? Are sales being dropped due to inadequate inventory
levels? When appropriate, what actions ought to be taken to increase or reduce stock?

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: Why is the sum of money owed to providers reasonable in relation to purchases? Is
the company's payment plan such that it will enhance or detract from the firm's credit score? If available, are discounts 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 significant source of financing for the business.
Significant questions in this course include: what's the amount of bank borrowing employed? Can this debt amount reasonable in
regard to the equity financing of the company? When will principal and interest payments fall due? Will funds 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 things as salaries payable, interest payable on bank notes, insurance
premiums payable, and similar products. Of primary concern in this region, especially with regard to taxes payable, is the
magnitude, timing, and availability of funds for payment. Careful planning must insure that these duties are met on time.

As a final Notice, it's important to recognize that even though the operating capital accounts above are recorded separately, they
need to also be viewed in total and from the perspective of their connection to one another: What is the overall trend in net
working capital? Is this a healthy trend? Which individual balances are liable for the trend? How does the firm's working capital
position relate to similar sized firms in the business? What could be done to correct the trend, if needed?

Of course, the Questions posed are a lot easier to ask than to answer and you will find several"general" replies to the issues
raised. The manuals that follow provide suggestions, techniques, and guidelines for successful management which, when tempered
with the experience of the individual owner-manager along with the unique demands of the particular sector, may be expected to
improve one's capacity to handle efficiently the financial resources of a company enterprise.

There is one Simple reason to comprehend and detect company financial planning in your business - to avoid failure. Eight of ten
new businesses fail primarily because of the dearth of good fiscal planning.

Business Financial planning impacts how and on what terms you will be able to attract the funding required to establish, maintain,
and expand your business.

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

This segment Provides an overview of the vital elements of financial management and planning. Used wisely, it is going to produce
the reader - the small business owner/manager - familiar enough with the fundamentals to have a fighting chance of success in
today's highly competitive business environment.

A clearly Conceived, well recorded financial plan, establishing objectives and such as the The use of Pro Forma Statements and
Budgets to ensure financial management, will Demonstrate not only that you know what you wish to do, but you understand how To
accomplish it. This demonstration is essential to attract the capital Required by your company from lenders and investors.

swimsuit taco-truck tailoring-shop talent-management tattoo taxi tea technology teespring teeth-whitening textile thrift-store ticketing tie-dye tiffin tiles tint tire-recycling tire-shop title-loan tour-and-travel tourist-bus toy-store trading trailer-park training tree-service turf turky-farm tutoring tv-mounting typing uhaul ultrasound undergarment uniform used-clothes used-tire vacation-rental vada-pav vending-machine video-advertising video-editing video-production voice-over voip waxing web-design web-development web-hosting wedding-dj wedding-planning weight-loss welding-shop window-cleaning workshop workshop worm-farm wrecker yacht-chart yard-work yarn yogurt zoo zumba-fitness