Working capital management is the art and science of ensuring adequate business cash flow, and improvements in this area should always be welcomed by small business owners. Because of the recent ineffectiveness with commercial banking, working capital financing can no longer be taken for granted by any business. The most effective advice for many complicated problems is often as simple as “it is a good time to get back to the basics”, and working capital loans represent an ongoing illustration of this wisdom for most businesses.

Because of declining sales occurring simultaneously with decreased availability…

When I was a kid living (briefly) in Oklahoma, one of my favorite times was the local “Pioneer Days.” Everyone dressed up in pioneer clothing, old Conestoga wagons were brought out of barns, and re-enactments of the early days of the town were carried out in the town square and at the fairgrounds. Everything was “old-timey” — the way it used to be. Some of the men would even grow their hair long and sport the old fashion handlebar mustache and side lamb chops.

I’m convinced that we are now in the pioneer days for…

It is a widely known fact that America is a litigious country. There is no shortage of stories concerning unnecessary, or even ridiculous court cases (think fresh-brewed coffee is hot). Even small businesses are targeted for litigation, which makes electronic discovery very important to owners and employees alike. For Geneva Roth Ventures entity Digital Current, it is their reason for being in business.

Because of the increase in electronic data over the past two decades, eDiscovery was the subject of amendments to the Federal Rules of Civil Procedure  in 2006. With the wide range of…

There are many options for small business owners to get out from under credit card debt. While many of the same principles apply to individuals getting out of debt or small businesses getting out of debt, there may be more options for small businesses. That is because issuers of unsecured debt (like credit cards) have more leeway when dealing with small business accounts than with personal accounts. In the US, money from the federal stimulus program encourages lenders to settle debts for less than their face value.

The reasoning is that when the economy recovers,…

Communication is a vital factor for every business organization. Small business owners always prefer to use hosted PBX telephone system for their communication needs. With this system, contact with existing customers as well as new clients can be effectively maintained without making capital investments.

Using this phone system, you can make calls to long distances and international locations at economical call charges, which considerably reduces your telecommunication expenses.

Hosted PBX with Powerful Features

To provide a better communication interface for the callers, hosted PBX phone system is integrated with sophisticated call management features…

You are probably already aware of resources like magazines and websites, but these forums don’t always offer the right type of advice for your real-life issues. It is difficult to be at the head of a small business, there are a lot of decisions to be made and you want to make sure that you are making the right ones.

What’s more difficult is that, it is lonely at the top… You can’t always go to others in your business for advice. Even if you have a solid staff with great experience you don’t necessarily…

Hopefully, the article’s title has piqued your interest enough for you to get through the history lesson at the beginning of the article. I promise, if you can understand the historical parallels, you may gain new insights into your goal of successful online marketing.

The early ecommerce era of the mid 1990s had a flavor similar to the American “Gold Rush” commerce development in the mid 1800’s.  Back then, news of a gold strike led many to abandon their familiar lifestyles for unknown places to seek new riches. New towns suddenly appeared and populations exploded…

If you have a small business, database-driven software can help you operate more efficiently and effectively.  Regardless of what you sell or the services that you provide, there are dozens, if not hundreds of things that you must keep track of on a daily basis.  You can either spend your time pulling your hair out or do what we’ve done with our businesses.  We capitalize on the available technology.

In this day and age, it is amazing that some people still operate their businesses without a database.  In talking with other small business owners, it…

As a small business owner, health insurance can be a difficult decision. Is it better to find your own self-employment health insurance, or should you provide health insurance for your employees through a group plan? Each method has its own ups and downs, and each business will have a different perspective toward health insurance.

Generally, individual insurance plans are more expensive for the plan subscriber. If you don’t belong to a larger group that offers insurance options, it can cost you quite a bit more to keep yourself and your family insured. Individual insurance coverage…

Supporters of healthcare reform claim that it will make insurance more affordable, especially for individuals and small groups. Increased consumer protection and newly-created exchange markets would presumably allow smaller businesses to band together for cheaper rates. That would allow them to better compete with large corporations, who are able to use their buying power to decrease their health insurance costs.

However, the results may not be so bright. Some examples from Massachusetts, which enacted its own legislation several years ago, are beginning to become apparent. They highlight the downside of affordable health insurance reform for…