Ebay Business Is The Best Way To Have Profits

Business can be one of the best ways to earn lots of money in very less time and to know about the best business for us we always relay on the technology and internet because internet is only one place where we can sit on a single place for hours and search various options to start a business. We can get many ideas by the internet about various business and their competitors in the market, their grown strategies, investment that we have to make and many more things which will help us to grow that business. EBay business for sale is one of the best and popular sites of starting a business online and it is one of the most profitable things. Over the period of time the sales of ebay business have become very popular and it is one of the fantastic ideas for the people who are looking out for the business.

The price is the first aspect that one has to keep into consideration while commencing a business. The sales revenue is also considered while selling or purchasing because these sales revenue acts like an indicator that what productivity of the business. The chances of profit in this business are very high that one should look from the prospective of buyer. Therefore one should maintain the winning streak of the business and make sure that they improve the strategies and methods of the business. The age of the business should also be taken into consideration because if the business is old then it needs the changes and new technologies should be added so that it should not lose its goodwill in the market. There is many more business for sale available in market apart from the eBay, like eBay is very popular and have many profitable aspects similar there are more business that one can think for and start or invest in new business.

One have to just invest a huge amount in the first time and make sure that the goodwill of the company is maintained then they would be successful in achieving the profitable business. One can get to know about all these things by the help of the internet very easily and then by making a comparative study they can decide which franchise of business to start.
Therefore one should always take care of the few things before they start any franchise business because it can be a really big investment and can be a reason for our growth as well as downfall.

the franchise business for sale is also very popular among many people and they are preferring to purchase these franchise and start the business because there are many benefits that one can have while investing in the franchise and as we know that these are already establish brands of the market and people can invest in that without any kind of tension and worry.

A Secrets And Techniques Toddler Bed Guards

I remember as children watching TV and hearing someone tell a child on the show: “Good night, sleep tight and won’t let the bed bugs bite.” I asked my mother what it meant only once and a lot of that sometimes little bugs will bite you but if your sheets are dirty. I usually remembered that saying right now. My mother’s explanation had been not totally belly answer but was sufficient for a ten year old.

With data in mind, it ought to go without saying when strategies children or teens your past home, ought to never be a loaded gun in the home. The gun should in addition to in a safe and secure storage where it doesn’t seem possible for numerous to gain access.

After the “light chores are completed” the family would sit down for supper and give thanks to have each other and enough to consume food. This family sat at a good round timber table which we’ll be selling. After supper, things like pie plates and the iced tea dispenser is often tucked away in the beveled paneled, solid cherry cupboard will certainly cross our block. It’s 4ft tall and in excellent, original condition.

You could tell using the size with the bed essential the owner was. Royalty had biggest bank and highest beds of all, quite mammoth sized! Aristocracy belly a close second. The huge oak bed globe room would certainly be covered in fine hand carvings of all manner of objects and surrounded by thick, heavy drapes having a canopy covering it (known as a tester). The heavy drapery was did keep the cold, dust, germs and insects through the layer. Servants, and poor people, to be able to make do with a bed of hay, usually with the ground using a throw placed over the game.

A note about DE: While considered generally safe, you would like to carefully explore the label and follow all safety books. Wear a dust mask or respirator when taking.

A set of California King features a mattress along with 2 half-width box springs that together with move extremely. You can find additional long double bed mattresses manufactured to accommodate this bedframe.

Make sure there is an equal balance on each side of the bed, for equality inside of relationship in addition to the get better at. Avoid placing the bed alongside a wall at all cost! The individual that sleeps near the wall will feel trapped and in need of more space in the connection. A great way to have a sense of balance is placing matching night stands on them of the bed. Arranging everything in pairs will also symbolize a union. For example, two flowers within a vase rather than just one.

Pine wood beds have been demonstrated to be the most sturdy, long-lasting and dependable form of beds. Consequently it also comes underneath a classification of the majority of pricey and expensive ones. However with little exploration, and study of review websites you most likely are able pay for a one with most favorable cost and without forsaking the quality. The price range usually lies between 125 US Dollars to 250 US revenue. Moreover if you are adept and fragile enough whilst wood making thingy, making a bensonsforbeds.co.uk discount code (http://www.Vouchercodesslug.co.uk/bensonsforbeds-codes) on your private won’t be an idea to be ruled out by any means!

The Parrotts go the actual their technique to make your stay very rewarding. They treat you almost as if you live there. They let recognize that intensive testing . available should something set up. For example, my wife was worried about not using an ironing board to press our clothes. One call to Laurel was all it took: the board was there in a matter of minutes. Not really did they bring an ironing board to us–they also brought us a couple of the most delicious lemon poppyseed scones! I can easily still taste them as I write this unique.

A.: Keep in mind that it’s OK to make mistakes when working on your own home, but never give up, you’ll get the practice of it. You can put away a wad of cash doing the projects yourself, as long as you have the right tools and special expertise. There is a huge resource of tips at Acehardware.com so sample it out if you want a little encouragement or visit your local Ace store and enquire one in our knowledgeable employees for an advice. Thanks for having my website!

How To Find An Expert Financial Advisors That Suits You

We all know more or less about financial planners and what they do. But, how do we know if the advices from one of them are going to really benefit the client i.e. you? Here are some tips on choosing the right financial adviser who can guide you properly on saving, investing and also can make your money grow.

A financial adviser is nothing if he/she can’t help you tackle a specific financial goal. The goal can be anything; from purchasing a property, acquiring assets to even paying off mortgages and loans. As you ready yourself towards that specific goal or goals, put your emphasize on a financial adviser who specializes in the field of your interest.

Financial advisers are not stockbrokers! Neither are they accountants; nor insurance agents. Do not be lured into things which will complicate things further.
Buying a life insurance policy or lowering your tax bill is fine as long as you got sufficient money to put behind them. A financial adviser tells you how to save the money that you need to go after all those things, for both of the abovementioned procedures involve some sort of investment and if your financial position is weak, you may end up as a defaulter and travel further downwards the financial vortex. A financial advisor will help you escape such downward spirals.

So how do you know if the person you chose can really help you out with your finances? Simple, just watch out for just three letters following their respective names! CFP or certified financial planner is held as the most significant credential in the field; it signifies he or she has been through acid tests administered by the Certified Tax Accountant Sydney Board of Standards and regularly monitored by a governing body.

The best thing about choosing a CFP is you remain confident that they are up to date with the current finance-related laws, for it is must for them to continue education on financial matters and ethics. Else, maintaining their designation is impossible.

However, despite the CFP credential being a good sign, there’s difference between writing an exam and applying the obtained knowledge in real life. Though it’s like one in a million, but sometimes we do come across certified financial planners who come up short on skills and therefore; credibility. So, a bit of a hose sense goes a long way.

That’s to say, never forget to check the credentials or client testimonials. Find out how they charge and whether the fees are to be paid upfront or after the job is done. Business Advice Services Sydney either charge by commissions or by hourly or flat rates; it’s always better to avoid financial planners who charge you with commissions from your total fund. You certainly do not want to be steered towards particular products to make them benefit. Paying a flat fee is always better, if you do not want to pay by the hours.

Tips To Apply Successfully For Funding

Let’s face it, if you don’t have a proven track record or some notable credit worthiness, it is tough to get financing. Risk factors and high costs of servicing small accounts are the major reasons for banks and financial institutions to stay away from people who don’t have a good credit history.

However, the silver lining in the cloud is – business finance, small or big, is the bread and butter for banks and other financial institutions. If you can convince them that you are a good investment opportunity, you are on!

Following tips might make your application irresistible for banks or other institutions.

1. Be Thoroughly Prepared: You need to satisfy the lenders regarding your track record and your future viability. The documentation required for this has been discussed in my other article All About Small Business Funding.

If you are just starting out, you need financial projections for at least next three years. A financial projection typically comprises of:

Estimates of your income and expenditure
Working capital estimates
Cash flow statement
Projected Balance Sheets
Precise loan utilization detailing
Profiles of decision making people i.e. top management who would be handling the project(s) for which you need financing
Comprehensive business plan
Some of these documents require professional expertise and you would need a professional accountant to prepare them.
You would also need the following documents apart from above mentioned documents, if you are already an established business and want a small business loan to fund your working capital requirements or your expansion plans.
Copies of the Balance Sheet, Profit and Loss statement, and tax returns of the company
Personal financial statements and tax returns for last three years

2. Anticipate Questions: You need to be well prepared, and need to have a fair understanding of the lending process to anticipate questions you are most likely to face.

Remember, lenders need to be convinced about your loan repayment ability. Ideally your business plan should also include answers to your banker’s questions. The most frequently asked questions are:

How much money do you need? Be exact! You can add a little extra for contingencies.
Long term or short term? Be prepared to go into detail supported by your documents, the time you require to repay the loan.
What are your loan utilization plans? Explain whether it is for capital expenses, working capital, and expansion or to set off old debts.
How you will repay it? You got your cash flow projections here to explain repayment time frame. Use your financial projections and business plan to convince the banker of your repayment capability.

3. Don’t Be Apologetic: Remember; banks look for good opportunities to invest. Be confident that you are one of the better opportunities the bank has come across and project that confidence to the banker. It is a deal on equal terms. Banks are not doing you any favor by giving you a loan. You are giving banks good business too. You are an entrepreneur who can and will repay the loan.

4. State the truth and back it. Bankers are very smart people. If you make any unsupported grand statements, take my word, they will see through it, and you will come out looking as someone who is desperate for a loan. And bankers don’t touch such people with a barge pole! Better idea is to keep your projections, documents, figures and your statements on the conservative side. You will cast an impression of a cautious and methodical person.

5. First impression is the lasting one. Dress in a professional manner for the interview. All the loan documents must be typed; handwritten documents look unprofessional. This is a business transaction, so treat it as such.

Last but not the least, a word of caution: getting approval for a business loan is good and you are almost through to your path to realizing your dreams. But don’t forget to read the fine print. Loans have hidden costs such as: annual fees, bank charges, closing costs, commissions, and balloon payments. So stay focused and clear-minded about these riders during the loan process. Be sure about your goals, keep focused and work according to the plan. Your small business finance requirement may turn out to be just the dose you needed to turn your dream big!

What You Will Need to Get Small Business Finance

Poor credit is no barrier to small business owners wishing to obtain business finance. When a small business owner plans to expand business and finds that he has already used up available sources of funding and getting additional finance through regular sources may be too time-consuming, then finance from “non-conventional” sources may be a better option.

What would be the requirements for a business owner to obtain small business finance?

A running business

Startups are precluded from obtaining this type of finance on soft terms. In order to be eligible, a business must be in operation for at least a year.

A minimum amount of sales per month

Someone who has started the business recently and is generating revenues of less than $ 10000 by way of credit card sales may not be eligible for small business funding unless the case is assessed and considered on other grounds such as a potential for growth that the owner can justify and support.

Documentary proofs

Small businesses are usually proprietary types. A business owner, even one with poor credit, should not hesitate to obtain small business capital even if it means paying a higher interest amount because it can help him get back on track to fast growth. The documentation is minimal. He needs to submit proof of ownership. The other documents he must provide are bank statements for the previous six months, proof of identity and proof of residence.

An applicant may wish to get small business finance within 3 to 5 days for which he should apply online and keep ready scanned copies of the above-mentioned documents. These may be uploaded along with the preliminary application. Should the application be approved he may be required to furnish printed copies.

What is not required for the small business loan?

• An applicant need not have a stellar credit history.
• He may not have to furnish collateral or mortgage property.
• He may not have to furnish a guarantor.

It is fast. It is easy. However, there are a few things to keep in mind. An applicant must consider the factor rate applied. This is a fancy term for rate of interest though it is not specifically so mentioned. Repayment may range from 3 months to even as long as 36 months and it is tied to the credit card sales as a percentage of daily turnover or a fixed monthly amount. Should sales be high repayment is completed in a shorter time. In real terms, an applicant may end up paying processing charges plus interest that can be as high as 50% because the loan is unsecured. The best thing to do is to examine the offer and obtain such funds only from a lender who does not charge anything upfront, no processing charges and applies a moderate interest rate.

How To Obtain Small Business Financing Help When Banks Say No

We provided advice a few years ago about what actions business owners should consider if their bank rejected a small business financing request. The earlier advice is now likely to be especially relevant for many businesses since banks are currently saying “no” more frequently than they have in decades because of a deteriorating commercial lending environment.

A bank saying “no” can actually lead to an overall improvement in commercial financing options under many circumstances, although a business owner is not likely to hope for the business loan rejection in the first place. With requests for needed business financing and working capital, small business owners are increasingly hearing their bank say “no”. Most commercial borrowers are often not sure what to do next since such an awkward situation represents uncharted waters for them.

Even for long-term and profitable customers, banks are routinely saying “no” to small businesses. It is now common to hear phrases such as “thinking outside the bank” and “business loans without banks” when talking about strategies small business owners might need to analyze because this has become such a widespread commercial lending problem.

When contemplating the possibility of banks saying “no”, there are two especially common financing situations likely to materialize for businesses. One of these involves working capital loans (including commercial lines of credit) and the other commercial real estate financing. While a small number of banks are still proving to be reliable sources for some business financing options, recent nationwide commercial lending reports clearly show a drastic reduction in commercial loans for commercial real estate financing and working capital loans.

Small businesses have only rarely pursued the option of replacing their bank. However, an astute business owner will quickly realize that they have little recourse but to pursue such a path when their bank says “no” to routine requests for business financing. Improvements to the overall financial health of a business will be achieved in a pleasantly surprising number of cases even though this search for new commercial finance alternatives is undertaken under protest by most commercial borrowers. It should not be overlooked that one or two banks often operate in a near monopoly environment in many communities and cities. Business owners are often pleased to discover that they can not only replace existing bank financing satisfactorily but also improve their bottom line in the transition when they have literally been forced to find new business finance options.

A prudent starting point for commercial borrowers to adequately evaluate how to get working capital and other business loans when their bank says “no” is likely to be a lengthy conversation with a small business financing expert. A critical step to eventual success in formulating a strategy for obtaining new sources of effective commercial finance funding is likely to be finding and selecting such an expert, but it should be realized that this is not likely to be a quick or easy task for business owners. Ensuring that the commercial financing expert chosen is totally independent and not affiliated in any way with the bank which said “no” is an especially crucial aspect not to be overlooked in locating a reliable expert to help.

9 Tips For Choosing The Right Medical Transcription (mt) Partner For Your Practice

Medical practices big or small are dependent on timely and accurate medical transcription and need to be absolutely certain that their vocal dictations will be transcribed into accurate well-presented documents. Quality of the transcription or report is vital because it further impacts patient care, decisions by other doctors who are referred, as well as the insurance companies reviewing claims. Some practices still do engage secretaries for medical transcription while others have moved to Voice Recognition Software to digitally translate verbal dictation into the written word. Unfortunately, both systems require additional overseeing and verification as they do not assure error free reports -anon-negotiable in the medical field. The third option gaining ground is outsourcing to third party. Today almost 75% of US healthcare companies are outsourcing work to other locations.
Outsourcing medical dictation has many advantage sand it is important to choose the right partner agency for this critical activity. Here are some pointers to help you make right decision.
1.Domain Experience: As the old saying goes Practice makes a man perfect, same goes while choosing the right transcription partner. It helps to evaluate previous experience or work done in medical transcription to ensure that the company is well conversant with acceptable processes and procedures like HIPAA.
2.Quality of Medical Transcriptionist: The core of a Medical Transcription partner is its resources. Well trained and experienced Medical Transcription team would be comfortable with complex medical terminologies and deliver high quality reports.It’s possible that the documents you need transcribed might be different from other specialties. So it’s important that the company you partner with has experience in serving your specific areas. This can be done by checking references or by asking for samples of work done previously.
3.Data Security: Patient confidentiality is paramount from professional and legal perspectives. The medical transcription partner should be using HIPAA complaint processes or technology platforms like ChartNet.
4.Data accuracy and quality:Accurate data entry is an important characteristic as it determines the reliability of the transcription.A good transcription partner will offer two or four layers of quality assurance. This means, at least three individuals will oversee the document before it is sent to you. It is a good practice to ask how many layers of quality control are integrated in the process to ensure high quality, error free output.
5.Turn around Time (TAT):In today’s digital world, speed and accuracy are of essence. Acceptable turnaround time is 24 hours so that you can respond to your patient’s needs at the earliest. Some documents can be completed even more quickly at additional cost for prioritizing it, however for standard documentation, if a company’s turnaround time is much longer than 24 hours; you might want to review other vendors as well.
6.Linguistic and accent experience: Dialects and pronunciations can change the way we interpret something with disastrous results. Dialects can change even from coast to coast, and the differences are magnified when the doctor and medical transcriptionist are in two separate geographies. It’s very important that your transcription partner has resources who are trained and experienced in the medical transcription business; accent sensitized and have a good command over English.
7.Consider what works for you. There is no single solution for choosing the right partner or service. It’s always a good idea to understand the needs and workflow of your practice, preferences of your staff and specialty services you offer before deciding what suits you best. Choosing the right partner and service is essentially about how you work, volume of documentation you handle and what you can adapt to most easily. Do view transcription from different perspectives before you take a decision.
8.Choose the features you need. There are many vendors and even more alternatives to choose from. Vendors often include many optional features to the service element. Not all of them would be relevant to your needs or useful to your staff. Its makes sense to study the pricing models, find out one-time fee or monthly charges, level of technical support, cost of software updates and only pay for what you need.
9.Software interface. It’s important to check if the software interfaces with the existing systems you are using or might use in future. You also need to ensure that the software is compatible with your EHR and practice management system as you will need to share records across platforms i.e. in office as well as to other providers.
Finally, do explore the possibility of a short term contract initially so that you have the option of withdrawing in case of any issues. With more and more companies offering a wide spectrum of transcription services it is easy to forget that it is essentially about accurate transcription, good turnaround time, cost saving, technical support and interoperability.

Ayurvedic Weight Loss Supplements To Reduce Excess Body Fat

Being overweight is like a curse as it raises several health problems. It is generally seen that some people eat a lot but do not gain weight while some gain weight even on eating less. Losing weight is a difficult task especially for those who suffer from mental problems as they find eating foods as the only way to satisfy themselves. There are some common reasons behind the increasing weight in body:

1. Weight gain depends on the metabolic rate of body. Slow metabolism in body is the main cause of not burning calories and increasing body weight.
2. Immunity becomes weak due to lack of iron, magnesium and vitamin D in regular diet and this alters metabolism of body.
3. People having stress, tension and depression mostly eat junk foods, take beverages and drink alcohol more just to distract themselves and thus weight increases in such people.
4. Increasing age slows down digestion and reduces metabolic rate. This results in weight gain.
5. Less production of testosterone in men and estrogen in women leads to increase in weight.
6. People having problem of thyroid disorder also gain weight in an unusual manner.

Some changes in lifestyle can help to lose excess weight at home:

1. The most important step for weight loss is to cut back on sugar and starch. This reduces insulin and also reduces hunger for calories.
2. Eating meals rich in protein source, fat source and low-carb vegetables also help to lose few calories. These kinds of foods reduce desire for snacking.
3. Lifting weights 3 times a week can burn a few calories which further prevents metabolism from slowing down.
4. Taking proper sleep is an important part of losing weight fast.
5. Eating foods slowly makes one feel full after eating even small meals and thus one does not overeat.

One can also use InstaSlim capsules to reduce excess body fat naturally. These are the best ayurvedic weight loss supplements as these supplements are made purely from herbs. These supplements help to combat every factor in body that results in increase in weight.

InstaSlim capsules provide the following benefits to overweight people:

1. These supplements suppress appetite and thus reduce cravings for sugary and junk foods.
2. Unique formula of these capsules promotes metabolic rate in body to increase utilization of body fat.
3. These ayurvedic weight loss supplements improve blood circulation to increase usage of fat stored in body for producing energy.
4. Promote fat metabolism to keep production of energy regular in body.
5. These supplements regularize bowel movements which in turn keep toxins out of body.
6. Nullify ill effects of thyroid disorders on metabolic rate.

InstaSlim capsules are loaded with Vaivading, Babool, Arjun, Pashanbhed, Chitrak, Jawasa, Bahera, Kali Mirch, Haritaki, Dikamari, Samudra Shosh, Chavya and Sounth. These herbs have the property to convert fat cells into energy. These herbs can effectively enhance functions of body organs that help in digestion and absorption of nutrients from foods. These herbs also keep bowel movements regular for healthy weight loss. To get long lasting and effective results, use these ayurvedic weight loss supplements on a regular basis. Taking InstaSlim capsules for 3 to 4 months can reduce excess body fat and give optimum health benefits.

How Photo Editing Industries Can Aid Web Merchants

Images say a lot of things about objects we can’t touch or feel

directly. Photos have various values to a person and a business. While

a ordinary man conserve the images of his family members and best

friends so that he can cherish those invaluable moments forever, a

businessman uses photos for print advert, online promotion and much

more.Actually, the whole business of e-commerce depends on the best

quality of the product photos displayed on the site. If clients are

not pleased with the images of the products they want to buy, they may

basically never buy from the site. However, it is not always possible

to get perfect photographs of products and that is why business often

hire photo editing services industries to add glitz and glamour to the

snaps.Here are several of the advantages you can enjoy by hiring an

image editing organization.

# Get superior images: If you want to use item photos in your website

design, the photo editing organization can help you in quite a few

ways. All you need to do is send them the snapshots and inform the

qualifications. They will reduce the photos, without losing their

quality so that the photos load faster in your website and do not

consume much bandwidth. The Photo Editing service company will use a

image editing software to remove the blemishes and crop insignificant

areas to make sure when viewers see the photos, they pay concentration

to the main subject. For example, if you sell apparels from your site,

the photo editing supplier can remove red eye blemish, resize images,

develop the whiteness of teeth, add spark to the eyes and make sure

that models wearing your clothes look wonderful on screen.

# Background removal service: Occasionally you click a great image,

but due to the reduced background, the photo loses its appeal. It’s

impossible for every business to select a pretty location for their

photo-shoot due to lack of budget. Therefore, they should take the

help of photo editing professional to add the required background to

their photos. Such as, you should have noticed that furniture

companies always display their products in adequately decorated rooms.

If you have a furniture business, but you can’t afford to rent a

stunning apartment for your photo-shoot, there is nothing to concern.

Take the images with any kinds of background and let the image editors

do their job. They will remove the unimposing background from the

photos and insert the photo of a gorgeous apartment. Your clients will

be impressed to see how attractive the sofa or dining table looks in a

superior apartment and will contact your company directly to place an

order.The most significant advantage of hiring a professional

organization for photo editing services is that they can do anything

with the images. Whether you want a collage, black & white and colour

version of the same images, convert images into web or add

supplementary elements to the images for enhancing their visual

appeal, the image editing supplier serves you in every possible way to

make sure your business gets the awareness of the targeted

audience.Clipping path Service India & Clipping path Creative is a

Famous image editing companies in ASIA Continent. Those companies

Provide all kinds of image editing service like Clipping path service,

Background removal, Colour Correction, Neck joint, Photo Retouching,

Image masking, Shadow making service and Ecommerce image optimization

services with low cost possible and excellent turnaround.

Working Capital Financing Basics For Small Business Owners

The common wisdom for many complicated problems is often a variation of “it might be time to get back to basics”, and working capital loans currently represent an ongoing example of this advice for small business owners. Working capital management is the universal art and science of short term cash management for businesses. Because of the recent ineffectiveness that prevails with commercial banking, working capital financing can no longer be taken for granted by any business owner.

Because of declining sales occurring simultaneously with decreased availability of bank financing, ensuring adequate business cash flow has become a higher priority for most businesses. In one common occurrence, borrowers are likely to attempt to juggle the timing of expenses whenever possible in an effort to match receipt of business income. Business owners will realistically be forced to “get back to working capital financing basics” because this is not an ideal solution under any circumstances.

A primary alternative for any business to explore in their efforts to deal with a mismatch of income and costs is business expense reduction. Credit card processing is a significant cost to evaluate. This is frequently an expense area that is overlooked because the credit card processing provider was chosen for convenience or perhaps because they were recommended by a banking or other professional relationship. Analyzing alternative providers in conjunction with obtaining a business cash advance is one of the most practical methods for reducing this cost. By combining efforts to obtain additional working capital (via merchant financing) with a change of processing services, a dual cash flow benefit can be achieved by receiving commercial financing while simultaneously reducing a major cost. Certainly there will be those who say that this is easier said than done, and it is appropriate to emphasize that this process should involve the close involvement of a business financing expert who is familiar with all aspects.

Looking at whether it is feasible to reduce overall bank financing is another potential cost reduction. For almost every conceivable commercial finance service, many banks are increasing their fees. Businesses should increasingly try to reduce their business debt levels to avoid some of the bank fees altogether. The option of firing a current bank and replacing them with a new bank charging more reasonable fees will need to be emphasized when this is not practical.

Small business owners will quickly realize when they review working capital basics that the most effective commercial financing sources have changed during the past few years. The more active role that banks have traditionally played in providing both working capital loans as well other forms of commercial loans has been quietly stopped (or significantly reduced). Commercial borrowers might need to be alerted that there are both “new basics” and “old basics” for most working capital management situations, and this is the rationale for making the last observation. The entire process of reviewing “working capital basics” will help businesses realize how other business financing options are likely to be more effective in resolving their predicament than the traditional bank solution of taking on more business debt to resolve the described problems.