Alexandra Levits Water Cooler Wisdom How Should Small Businesses Manage Their Cash Flow

Alexandra Levit's Water Cooler Wisdom How Should Small Businesses Manage Their Cash Flow Small businesses are in economic recovery mode, but some might agree with me that it has been slower than anticipated. In an end-of-year survey, Wells Fargo reported that only 39 percent of small-business owners experienced an increase in company revenues over the past 12 months. At the same time, 47 percent expected cash flow and revenues to increase in 2016.Given a still-far-from-ideal financial picture, we asked three small-business ownersâ€"Fritz Heffinger, founder and president of event marketing firm OutCold in Chicago; Diana Goodwin, founder and CEO ofAquaMobile Swim SchoolinToronto; and Shawn Schulze, CEO ofSeniorCare.com in St. Louis, Missouriâ€"what their cash flow management techniques arethis year. Why is cash flow management a critical skill for small-business owners? Fritz Heffinger: It’s important to learn how your sales goâ€"when your peak times are and when to expect a slowdown. In a perfect world, sales are steady all the time, but any small business knows that is not the case. Diana Goodwin: Cash flow management is extremely important! You dont want to be stuck in a rut, unable to run a critical marketing campaign because you didnt properly manage your cash. Something like that could cripple your business and impact your sales for the coming year, putting your company in a downward spiral. Shawn Schulze: When a business has cash on hand and cash reserves, it has much more control. Without available cash, a business relies on debt or new funding sources. Businesses that are operating day by day or have lots of debt are just one unexpected event away from desperation mode. In addition, interest on debt is a costly expense. How, or where, did you learn to manage your cash flow? Schulze: After over 10 years in business, I still have a fear of what may happen that could hurt our existing cash flow or require a large, unexpected expense. This fear is great motivation to ensure that we are conservative in our projections, in our expenditures and also in the amount of money we maintain on hand. At the beginning of every year, I devise a cash flow plan and then set calendar reminders to review our various bank and Paypal accounts every two weeks to see if any money needs to be shifted. Goodwin: My company AquaMobile is a seasonal business, so I knew right from the outset that cash flow management would be important. From there, I’ve just made sure I’m always aware of our current spending and future cash needs. Heffinger: I wish I could say I read this book or had someone on staff, but it has been a trial by fire. I have had help from a good friend who works at a large bank, but our business is so unique that it was a risk in the beginning. For the rest of the interview, head over to the AMEX Open Forum.

Nurse Resume Writing Service - How to Land a Great Job With a Resume

Nurse Resume Writing Service - How to Land a Great Job With a ResumeA nurse resume writing service that offers a help-wanted ad for prospective nurses is often a good way to start the process of landing that job you're really applying for. With some research and maybe even an open house, you may be able to land the position you're really seeking with a great resume.Many students think that only a recent paper education can land the job they want. This is not the case. Keep in mind that if the school where you are currently attending allows them to attend workshops and trainings that will help them further their education, they are free to take advantage of those opportunities.The current school where you are currently attending may have a program for the first-year student or their spouse. The student may be able to take advantage of a free meal plan that will allow them to eat well while attending the training. It is often the case that some free food programs will allow the student to purchase other things on the dining room table.If the student can get their spouse to sign up for these programs, then they could do the same. Just make sure that they are able to travel to the training. Most of the time, it doesn't cost a lot of money to obtain this benefit. It will also give the students a chance to socialize with other students in a real-life setting.At times, students can go to the food pantry to assist the others in their party. It's not always the case that you will be able to get into these programs if you only have one or two friends who can work for you. The student will want to see as many people as possible. If you are able to get someone to help, then it will be easier for you to get into these programs.You could just go to the library to find out what information is available there. There are plenty of books that cover how to write a good resume. You can even talk to an expert at your school to see if they have any special courses or seminars availa ble.Be sure to spend some time researching the internet. You may find tips that other students have found to be useful. A website with helpful articles, videos, and forums can help a lot with the process of getting prepared for the future.Students who need the extra cash are always looking for ways to earn extra money. While it's possible to earn money by doing extra chores around the house, it's more likely that the student will be able to make money by going into the nursing field. Nurse resume writing services can help the student to do just that.

How to Become an Instagram Influencer

How to Become an Instagram Influencer Over the last few years in particular the rise of social media influencers has been phenomenal. Slowly but surely brands have cottoned on to the fact that influencers are able to engage and mobilize their huge fan base very effectively â€" and are willing to shell out top dollar to have them promote their products or content. If you want to be an Instagram influencer but aren’t quite sure where to start here are a few steps that you should take: Post good content regularly It is important that you’re posting new photos on Instagram frequently â€" but at the same time the quality of the content that you’re putting up is important too. Think carefully about every photo that you publish and whether it will appeal to the fanbase that you’re trying to build. Leverage your passions Ideally the content that you post on Instagram should be about things that you’re passionate about. Whether it is cosmetics, gadgets, toys, or anything else â€" you should dedicate your Instagram account to your passions because it will translate into the content that you post and how genuine it feels to your followers. Use hashtags to be more visible and attract more followers To become an ‘influencer’ you need to get more real Instagram followers â€" and mastering hashtags is the best way to be more visible when you first start out. Don’t just go for the most popular hashtags as your content may be drowned out by all the other posts. Instead, spread your content across several popular hashtags and a few less-popular ones too. Tell your story As an influencer you are your own brand and your story is part of what people are following you for. Whenever you post or promote content you should let people know why it is important to you and what the story behind it is. Be open about yourself, your struggles and who you are. Learn from other influencers The best people for you to learn from are other Instagram influencers. By following them and observing how they build up and engage their followers you will pick up more tricks of the trade and can then use what you’ve learnt on your own Instagram account too.   A true income artist will take all the information they can get from others to really bolster their Instagram presence. Needless to say Instagram itself is an extremely visual platform so it helps to be able to edit the photos that you upload and improve them in various ways. For that you may want to try out Movavi Photo Studio. Unlike other photo editors that you may have tried in the past, you don’t need any special skills to use Movavi Photo Studio. It will let you easily improve the quality of your photos, apply filters, alter the frame and composition, or even remove objects that are in the way. In short with Movavi Photo Studio you will have everything you need to edit photos before you upload them to Instagram. Be sure to try it out if you’re serious about becoming an Instagram influencer. Manage Your Images When starting out, it may not seem important to have a great image file management system But  if you look to succeed in being an instagram influencer, having somewhere to store your photos is absolutely essential.   You have a variety of options on this.   If youre not sure of what will work best for you, check out   Asset Bank.   Its one of the best digital asset management softwares out there. Image credit main

Dont Let These Roadblocks Stop Your Recovery From Addiction

Dont Let These Roadblocks Stop Your Recovery From Addiction The road to recovery from an addiction can be both long and treacherous. Indeed, it’s true to say that many people give up halfway through because they can’t handle the willpower that is needed. It’s not easy, and anyone that tells you giving up an addiction is easy are lying. Either that or they were never truly addicted in the first place. It’s true to say that addiction doesn’t have quite the same impact on certain people. Nicotine is believed to be one of the most addictive substances on the planet. There are plenty of people who can smoke one cigarette every now or then without feeling the weight of addiction. Then, there are other people who get addicted to video games. A recent report revealed that Warcraft was statistically more addictive than crack cocaine. But again, there are plenty of individuals who can play it occasionally and won’t waste hours of their life. That’s why we can’t assume that addiction recovery is easy. As such it’s important to be aware of the roadblocks that could prevent you from getting clean. Withdrawal Did you know that you can get withdrawal symptoms from virtually anything that your body is used to having? If you want to see this, just try cutting sugar out of your diet. Be careful with this idea because sugar is in a lot more things than you probably realize. One of the main ingredients for most fast food chains is a healthy dose of sugar. But once you remove this from your diet completely, your body will start to react. It has been dependent on it for so long that it will start to beg for it, and needs the substance that you used to provide. It demands it, and it will start punishing you for not providing it. Withdrawal can come in many forms. Although, usually it hits someone in full force with everything from psychotic episodes to fever symptoms. It can last hours, days or even weeks depending on the duration of the addiction. Some people claim that the effects of withdrawal never completely disappear. There may be slight signs that you are still craving that lost substance. For instance, your hand might have a tiny tremor. This is why there are many treatments for drug addiction that avoid going cold turkey. But, as we will discover further down, that can lead to more problems. So, how do you break through past the trauma that is brought from withdrawal? The only way you’re going to be able to do this is with a support system. Without this, you won’t have any reason to fight back. Instead, you’ll surrender and give your body what it craves. Lack Of Support There are more reasons to have a support system in place than just beating back the effects of withdrawal. Indeed it is true to say that people suffering from addiction need to know there is something on the other side. They have to have something to return to otherwise, what’s the point. If you have no family, friends or career left, what’s the point in getting clean? This is the question that many addicts have to ask themselves because they have burned most of these bridges. Of course, a 12 step program that most recovery centers use often includes building back relationships. Doctors know that addicts will need these once they leave the program. But again, it isn’t always this easy. A lack of support can also lead to a relapse which is dangerous for addicts. The addiction often increases in strength after one recovery has been attempted. This is why addiction treatment doesn’t just rely on addicts developing their own relationships for support. Instead, doctors also try and get them in groups with other people feeling the same type of struggle as them. Other addicts are often the best form of support for people suffering from an addiction because they share the experience. A Replacement Addiction Methadone is a drug that is used to treat a number of addictions including serious drug addictions. It is usually one of the later stages in rehabilitation programs. Doctors use this treatment because they know the danger of going cold turkey. Withdrawal, as weve already pointed out, can be dangerous. It can put patients in more physical harm than they would have been with their addiction. Or at least, an equal amount which is a problem. Essentially, it means that they are no better off and that’s why drugs are used. With drugs, patients still get treatment, and their addiction is taken away. But unfortunately, it’s replaced with another substance. Methadone can be just as addictive as illegal narcotics. That’s why you want to be wary of this type of treatment. It can put you in a worse situation. It’s not uncommon for patients to develop other addictions once they recover from one. This can occur inside a rehabilitation facility with the replacement drug being prescribed by a doctor. Or, it can occur when addicts are trying to recover without help or support. They wean themselves off one drug only to rely on another addiction. This isn’t their fault and will often be due to their personality. As already mentioned, some people are more prone to addictions than others. If you have this type of personality trait, you might find yourself binge watching hours of TV shows. Or, drinking coffee each and every day. For some people though addictions are going to be more serious with a reliance on narcotics or alcohol. Again, the key to avoiding a replacement addiction is by having the support needed. It is crucial that addicts have people around who can see the signs of a new addiction development. This could be medical professionals or a support group. It might also be friends and family members. Stress And Emotional Issues You should try to remember that addictions almost always start as a coping mechanism. If you have a stressful day at work, you might pour yourself a glass of wine to take the edge off. The next day there’s another problem, so you pour yourself another glass. Soon you’re not drinking a glass but a bottle each night. Eventually, you might find that you can’t cope without wine at the end of the day. Or, you need to smoke to get that feeling of relaxation. You don’t realize that the drug is causing this particular craving. This is why it is important that recovering addicts find other coping mechanisms that they can use. Obviously, it is crucial that these don’t take the shape or form of another addiction. Addicts must be careful that whatever coping mechanism they use isn’t harmful to them. You often find that ex-smokers take up exercise such as yoga. Yoga gives them that same feeling of relaxation that they crave and even benefits their health. Lies, Lies, Lies Finally, the biggest threat to your road to recovery is a lie. This isn’t a lie that someone else will tell you but rather one that you will tell yourself. You will say to yourself that you have changed, even when you haven’t. That you have stopped using, even as you pop another pill in your mouth. Is a dangerous road and one that often leads to an addiction worsening. You must avoid falling into this trap. As an addict, honesty is crucial to your rehabilitation. Image credits. Main.    Chocolate.     Darkness.     Pills.  Stress.  Lie.

How to Write a Resume For Career Changer

How to Write a Resume For Career ChangerCareer changer, how to write a resume can be the most difficult part of your job hunt. If you are not comfortable with this job search experience then you should probably think about whether or not you should hire a professional resume writer.A good job opening is usually advertised in one of two ways. First you have a company that posts it on their website and sometimes they will send it to employees as well. The second way that a company advertises an opening is by putting a notice in the local newspaper.It is important to get your resume out there as soon as possible because you do not want to waste time trying to advertise for other companies. Sometimes you will get lucky and find yourself a good job within a few days after posting your job openings. However if you do not hear anything within a few days then you should probably call the employer and ask them why they did not use a resume writing service.Consider that the best time to apply for a job is when the economic conditions are relatively stable. Make sure that you always have your resume and any needed documents available at all times. To be on top of applying for job opportunities is to make sure that you don't miss out on the next one. In addition, remember that it is a good idea to have contact information at your fingertips.Many job seekers need to make sure that they have all of the materials they need available at all times. For instance, you might be a big fan of Twitter and might not be able to carry around the document you need to write your resume on an airplane. Of course, having all of the essential documents and materials ready to go is also a great advantage.Having a decent writer who can write resumes for a price is a great idea. Many times you will get a better deal if you buy your resume writing service directly from them rather than hiring a person to do it for you. Instead of using a freelance writer who might cost you money, you might be ab le to save yourself some money by using the services of a professional resume writer.As a job seeker, you need to remember that the more experience you have the better you should be rated. At the same time you do not want to be listed as just an applicant for a certain position. Remember that once you apply for a job, you will likely be placed on a mailing list so that you never forget to apply again.Sometimes, when you have been employed for a while it might seem like it is 'no big deal' to send out a resume again but in reality the more work you put into the job hunt, the better chance you have of getting the job. Don't forget that applying for jobs is the same thing as preparing for the interview process. Be sure that you put everything you need to know on your resume and that you always have an appointment with the employer.