Why Cash Flow Improves With Efficient Invoicing

Cash Flow InvoicingA small business owners’ invoicing process seems like a minute detail in the grand scheme of your business. After all, that small business owner is focused on innovating, selling product and growing his or her business.

But improving an invoicing process — that part of the business that allows a small business owner to get paid — can actually improve your cash flow, allowing the business owner to grow the business. It’ll also save some headaches along the way.

Here are a few tips and tricks to making the invoicing process more efficient.

Understanding Invoicing

Most small business owners didn’t start out as business owners. It’s likely that they started as an employee for someone else in a position that paid them on a regular basis. As long as they were doing their job, they never had to worry where and when their next paycheck would come from.

The small business owner, however, is the one that has to make sure his or her employees have that same peace of mind. It’s not always that easy.

Read more

Interest rates – Will They Rise? And What That Means For You

Investing newsletters can help you find stocks to invest in.It appears that the major economies around the world are arriving – albeit at different paces – at a turning point. After years of cautious talk about possible recovery, the clamoring from the markets for a raise in interest rates will surely soon lead to some action.

But what does this actually mean for those of us who aren’t active investors?

Most people are aware of the primary impact of a rise in interest rates:  tracker mortgage, credit card and loan repayments will quickly increase, as well as the cost of new borrowing. So if you’re thinking of borrowing for a house, car or anything else it might be better to act sooner rather than later (and go for the fixed rate option).

So, bad news for anyone owing money. There is a silver lining, though: just as interest rates on your mortgage will go up, so it will on your savings. As you can imagine, that encourages most people to save their money instead of spending it, which is exactly what the government are hoping for. Keeping spending in check slows down the economy so that they can keep it in control.

Finally, if you want to use your well-timed loan or burgeoning savings account to buy yourself a holiday, you might find that an interest rate rise has the welcome surprise effect of making your foreign currency cheaper. That’s because high interest rates attract investors, which in turn makes local currency stronger. Learn spread betting with IG.

If, for instance, the Bank of England raises interest rates then British banks are suddenly more attractive to investors everywhere, and the pound becomes worth more in comparison to other currencies. That effect is slightly negated if all major economies raise their interest rates at the same time though.

Read more

How To Prepare Your Diamonds For Sale

Prepare Your Diamonds For SaleWhenever you’re selling a big ticket item, it’s usually a good idea to put in a little prep work before you show it to prospective buyers. There are ways that you can prepare your diamonds for sale. In the same way that you might repaint a house or clean out a car before selling it, there are some steps you can take before you sell your diamond.

These three steps can help a buyer see the full value of your diamond and hopefully will help you get a better offer:

1) Gather Documentation – Many people don’t realize that documentation might help get them a higher price for their diamond. Even though it doesn’t change the intrinsic value of the diamond itself, it can help make sure that buyers are aware of the diamond’s size and quality.

Documents that can help support your sale include appraisals, original receipts, and certifications from gemological laboratories. At the very least they will help the process go faster and smoother – and they might get you a little extra cash too!

2) Clean the Ring – You’d be amazed how much a difference a quick cleaning can make when trying to sell a diamond. Diamonds can get pretty dirty just from hand soap, lotion, and other effects of everyday wear. You don’t want a buyer confusing a smudge or dirt with an imperfection in the diamond itself. Giving it a quick clean can make its quality more readily apparent to a prospective buyer.

At the very least, purchase some over-the-counter jewelry cleaner and give it a quick rub with a soft brush or cloth. Or you can go one step further by bringing it to a jeweler and having them give it a professional clean with ultrasonic baths and steam cleaners. Most buyers will want to see how well a diamond shines, so cleaning it could really help you.

Read more

Save Money Investing In Software For Your Business

Investing In SoftwareThe appropriate software is something that can not only help your company thrive and be streamlined, but it can also help your business save a great deal of money by investing in software. There are plenty of different software programs out there that can help companies maximize profits and have a much great return on investment.

The proper software can make the difference between a good business and a great business. In a world like we have today, keeping up with the competition is a more daunting task than ever.

The correct software can truly help your company thrive. Here we will share with you four different software programs that can help your business in different areas.


Accu-build is a great piece of software that can help those in the construction industry truly thrive with their business. While many construction companies have different software programs for financial management, workforce management, and document management, Accu-Build bundles that all into one easy to use software program.

Accu-Build construction software is a great example of a software program that is truly going to help any construction company be much more streamlined and profit minded.


Xactware is another great software program in the builders industry that can truly help companies save money when it comes to repairs, remodels, construction, and more. The many different programs Xactware has to offer can truly benefit builders. The wide array of programs that Xactware has to offer will show builders potential cost so that over budgeting is a thing of the past.

Read more

How To Find A Reliable Buyer For Your Structured Settlement

Choose a structured settlement wiselyA structured settlement agreement can never be altered once it has been made, preventing you from getting a lump sum amount when required during an emergency. But the law does allow you to transfer the rights of receiving the annuity to a third person if you wish to do so; or in short, the law does not deny selling of the structured settlement and obtaining money for it.

So whether it’s a medical emergency, an opportunity to buy a high value real estate or for even funding college education, you can sell the structured settlement and obtain the appropriate money for it. Obviously here the question rises of where to sell the settlement and to whom. This article outlines everything you need to know about finding a buyer for your structured settlement, how they operate, what are the costs involved and the legal formalities involved.

The definition Of A Structured Settlement Reliable Buyer

In order to prevent the recipient of a settlement squandering money and again ending up in financial trouble, the periodic payment settlement act was established in 1982, which presented the option for defendants to pay the agreed settlement in the form of annuities. Though this was a boon in one way, it was quite restricting for the recipients as the economic condition was ever changing. To help people out in such cases, few financial companies started buying the structured settlement and paid the lump sum amount to the recipient in return.

But during the 90’s the business took off so well, that a lot of them started to make unreasonable profits out of it by charging extra fees and undervaluing the original settlement amount. Hence the reliability of the buyers became questionable and the government had to intervene to make the process more transparent.

Read more

How To Compete In The Current Job Market

If you were to believe everything that you read, you could be forgiven for thinking that the UK is in the midst of a significant economic recovery. While Britain may well be benefitting from improving business sentiment and job market, rising consumer confidence and a diminishing rate of unemployment. However, there are negative undertones that continue to restrict the potential for long-term growth. So even as international trade and foreign exchange activity continues to boom, not everything is rosy in the British economic garden. The same principle applies to the national unemployment rate, which fell to a respectable 7.2% during March. Alongside a rise in the national earnings average, this has triggered widespread optimism among job-seekers and those who are … Read more