One of the more complicated accounting items are the accounts receivable.

As a hypothetical situation, imagine a business that offers all its customers a 30-day credit period, which is fairly common in transactions between businesses, (not transactions between a business and individual consumers).

An accounts receivable asset shows how much money customers who bought products on credit still owe the business. It’s a promise of case that the business will receive.

Basically, accounts receivable is the amount of uncollected sales revenue at the end of the accounting period. Cash does not increase until the business actually collects this money from its business customers.

However, the amount of money in accounts receivable is included in the total sales revenue for that same period. The business did make the sales, even if it hasn’t acquired all the money from the sales yet. Sales revenue, then isn’t equal to the amount of cash that the business accumulated.

To get actual cash flow, the accountant must subtract the amount of credit sales not collected from the sales revenue in cash. Then add in the amount of cash that was collected for the credit sales that were made in the preceding reporting period. If the amount of credit sales a business made during the reporting period is greater than what was collected from customers, then the accounts receivable account increased over the period and the business has to subtract from net income that difference.

If the amount they collected during the reporting period is greater than the credit sales made, then the accounts receivable decreased over the reporting period, and the accountant needs to add to net income that difference between the receivables at the beginning of the reporting period and the receivables at the end of the same period.

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Although it is a very natural feeling and sometimes even a real life need or deep inner quest for power and control, it is not in their best financial interest to say the least.

It is no wonder that the U.S federal laws encourage long term payments in both cases like Structured settlements and lottery winnings. There are many good reasons for that and I’m going to spell them out as clear as I can.

- In some countries around the world it is legal to pay for lottery winning in one lump sum. Experience shows many of these people lose most or all of their money in a few years time, due to the following reasons:

- Ordinary people who get into their possession a very large sum of money don’t really know how to manage their treasure or how to invest it wisely, they are not prepared for it and they are overwhelmed with a delusion of over abundance of wealth, they become totally careless on how and on what they spend their money.

- Even if they invest their money, they go for high risk speculative investments as they try to get high yields. Instead of going for a much solid and safer, “widows & orphans” type of investment portfolio. Neither do they go for the golden middle way in between of a mixed portfolio. They don’t use investments advisers or financial consultants.

- They become over generous with their family and friends, they buy their children homes, cars or any other materialistic requests, they ” lend ” money to a friend in need…

- They listen to shrewd business people who talk them into investing into all kinds of business adventures that seems to them very profitable but in a short while turn into total failures and the money is gone.

- All kind of addictive behaviors like betting horse races or going to play the roulette in the casino are now intensified with the feeling of power and wealth, it might drive the person to gamble high sums of money as if there is no tomorrow.

- Believe it or not but criminal elements might engage in putting pressure to extort monies from the overnight rich poor guy. They might threaten to harm his family etc’

- Charity institutions start to call all day and night asking for donations to a very noble causes, they even send some slick reps to convince him to donate money.

- His own children, some times his spouse becomes very greedy and exert emotional pressure to give them more and more money. In some cases the sudden riches literally ruined the families.

As I have shown you above, getting a large lump sum of money might be a risky thing, this is In addition to the fact that you are loosing a lot of money which was Tax free, that alone might be a difference of anywhere between 35% – 65% , add to it the profits of the fund who bought the annuity from you and you are loosing big time. It is not recommended for an injured or a disabled person, to transform the whole Structured Settlement long term payments into one big lump sum or you might find yourself one day without the money and facing high medical expenses and other bills you cannot afford.

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The National Association of Realtors mentioned that during the month of August it was noted that the purchases of the previously owned homes fell down by 4.3 percent from what is was in the month of July, i.e. sending sales slipping to five years low. In the month of July, the annual sales rate was 5.75 million that dropped down to 5.50 million. Statistic says that the existing home sales have fallen almost 13 percent over the period of last 12 months.

On the other hand, the Lennar Corporation declared their biggest quarterly loss in its history after it wrote down $848 million in the value of real estate. The company’s net loss was $513.9 million, or we can say $3.25 per share, compared to the profit of $206.7 million, or $1.30 per share, during the same time of the previous year. The shares of Lennar Corporation were down by 4 percent in midday trading, at $23.20.

The shocking news in the housing sector was joined with a disappointing report on customer confidence from the Conference Board, whose index dropped down to 99.8 during September from 105.6 in the month of August. This fall was much more than what was forecasted. Its index is now at its lowest level in the past two years. A group of analyst believes that the reason behind the concern among the consumers is the weak job market and stagnant salary that has probably created declines in the consumer spending and job creation during the period of coming months.

Joshua Shapiro, the chief United States economist of a New York research firm believes that fall in the housing sector is just because of the negative environment over the residential real estate, affects and creates the changes in the consumer’s attitude and consumer’s spending ability.

Lennar has reported a drop of 44 percent in its revenue during the last quarter and has reduced 35 percent of its work force. It turned out to be another sufferer of the high inventory levels and credit market disorder that have created many troubles for the home builders in the period of last few months. The company’s chief executive, Stuart Miller, said in a statement today that due to the continuous decline of our net margin and for that reason, higher injuries to our inventory. He also added that the staff reductions were in store for the fourth quarter.

On the other hand the Darlene Williams, assistant secretary of US Housing and Urban Development hopes that even though the current crisis in the credit market the sub prime mortgages must stay as they play a very important role in increasing home ownership in United States. She hoped that the US congress would pass Federal Housing Administration, reforms to expand federal backing of mortgages.

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Taking care of your personal health is very often overlooked. The daily life of the professional is fraught with burnout and responsibilities. Many of us juggle on a daily basis the demands of family, parenting and other essential duties. Even the regular duties of getting the dog to the vet, grocery shopping and paying the bills, to name a few, can become dreaded tasks. Eventually, we’re going to get burned out and possibly ill. There are strategies to keeping a healthy mind and body.

Start having a social life outside of work. Just like your daily “to-do” lists at work, start planning a social “to-do” list. In other words, don’t forget to have some fun. Listen to your favorite music for a few minutes each day. Take in a concert or musical affair. Go out to dinner occasionally.

Exercise. Start going to the gym or fitness club. A healthy physical body will give the hard working professional the energy needed to be both highly productive and active socially. Go for a short walk in your neighborhood. Get some fresh air and breath.

Manage your time wisely. Poor time management can be costly. Missing appointments or being late NEVER looks good. The client’s time is just as valuable as yours.

Aside from these tips to stay healthy physically, don’t forget your mental health. Be sure to take regular breaks away from your desk, the phone, the laptop or anything else keeping you chained to your desk.

So, you might ask, what does this mean for me? Many studies have shown that productivity levels significantly decrease for the professional that doesn’t take time for fun, a social life, rest and exercise. If you become both physically and mentally weary, your customers are going to notice.

Many professionals are keenly aware of the saying “presentation is everything”. When you present yourself to a potential client, be it on the phone or in person, it is important to be at your best. I don’t know about you but I would definitely re-think associating with any professional that was unkempt in appearance or tired and sluggish in communications with me. It is very difficult to convince your potential clients to accept your advice to stay healthy when you appear physically ill yourself. Be a role model of what you’re trying to sell. Now that you have some vital information to help you stay personally healthy, let’s examine some strategies to keep your business thriving and profitable.

Continuing Education

Many professional associations offer continuing education workshops, seminars or classes. If you are not a member of a group or organization in your field, then look into classes at an institution of higher learning. It is imperative that you keep up to date on the latest news or information regarding the type of insurance you provide. Don’t forget-classes in human psychology can go a long way in providing you an advantage to understanding your customers better.

Network! Network! Network! Experienced agents know that aligning themselves with a company that will appreciate their skills is a must. Building a customer base with a reliable and strong company that can bring the clients to you is valuable. Your reputation as an experienced, reliant and self-assured insurance agent will guarantee a successful business and many good leads for clients.

The Psychology Of It All

Building a relationship with your customer(s) is integral to your success as an insurance professional. People want quality service. They rely on you to guide them into making the best decisions around their insurance coverage needs. If they don’t trust that you know what you are doing (remember the continuing education and how you present yourself?), they will not buy anything you have to offer. How can we gain their trust?

First and foremost, if you have been informed of a potential client looking for insurance, contact them immediately. As mentioned earlier, people want quality service. A quickly returned phone call sets a good first impression. This action alone tells your customer you care about their needs and are interested in their inquiry.

Next, follow through with what you promised in a timely manner. For example, if you stated you would get back to them in 48 hours on a matter, then return your call within that time.

Be sure you are giving them the appropriate and best advice you can. Obviously, I can’t stress the “educational” component enough in this article. None of us knows the answer to everything and it is acceptable to say I don’t know to a client’s question. Let them know that you will find the answer.

A healthy, informed and experienced insurance agent that is genuinely attentive to their client’s best interests and communicates that effectively will have a successful business.

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The commentary on Lexmark has been almost uniformly negative. Even many value investors have a very dim view of Lexmark at these prices. Now, I am not a contrarian investor. Psychology and sentiment do not enter into my considerations at all. I’ve bought stocks trading near five year lows, and I’ve bought stocks trading near five year highs. I just try to be rational. I’m not afraid to agree with the consensus, if it’s an accurate representation of reality. Here, it isn’t. The model of Lexmark that has emerged in my mind over the past few weeks bears little resemblance to the Lexmark I’ve seen described elsewhere.

Most of the negative comments about Lexmark have focused on the consumer segment. Yet, more than 75% of Lexmark’s profits come from the business segment. The business segment is Lexmark’s franchise. There, the company has managed to build a moat, not a very wide moat, but a moat nonetheless. Lexmark is the only focused, integrated printing company of any consequence. It understands its business customers’ needs, and provides specially tailored solutions that none of its competitors can offer. Worldwide, some very large companies use Lexmark’s products for some very specialized tasks. Among these are retailers, banks, and pharmacies. Lexmark has complete control of their product including the printing technology itself and the software used to manage its printers (i.e., to interface with the user’s computer). Businesses that care about getting these specialized tasks done right (and getting them done cheap) use Lexmark.

Even Lexmark’s competitors have to concede the fact that Lexmark knows printing better than anyone else. Lexmark is the only company that develops its own ink ? jet, monochrome, and color laser technologies. It is a vertically integrated printer business like no other. The two competitors most often mentioned as threats to Lexmark are HP and Dell. While everyone will suffer from deep price cuts; I think it’s HP and Dell who should be scared.

Lexmark has the much stronger competitive position. For years to come, it will be launching the best printing products for high ink consumption tasks. Lexmark hasn’t been focused on competing directly with these companies in the consumer segment; that’s going to change because of the emerging photo printing market.

Lexmark isn’t interested in selling hardware. It’s interested in selling ink. Now that there is real demand emerging for high quality printing within the home, Lexmark is going to start going after the consumer market. Over the next few years, Lexmark will be selling more printers in this segment. A few years after that, the company will see strong recurring revenues from ink sales.

Generic ink cartridges are the biggest threat to the high margin printing business. However, I believe, of all the players in this industry, Lexmark will be the least affected. Its highest margin sales are its most insulated sales. Its lowest margin sales, in its least dominant businesses, are where generic ink will hurt the most.

There is also some concern that Dell could always move away from using Lexmark printers. Let them. From what I can see, sales to Dell will not be a particularly significant high free cash flow margin business. There’s no benefit to the Lexmark brand either. That brand is going to become stronger over the next decade, because the quality is already there. Lexmark simply hasn’t been that visible to consumers. The Dell deal doesn’t help build the Lexmark brand. Honestly, I wouldn’t be terribly troubled if Lexmark’s sales to Dell dropped to zero tomorrow. Such an occurrence would not materially affect my valuation of Lexmark.

As far as I can tell, Lexmark’s management is excellent. They understand the printer business better than anyone (they also happen to understand the science of printing better than anyone ? CEO Paul Curlander has a PhD in electrical engineering from MIT). Lexmark’s management also sees highly profitable opportunities in printing long ? term, despite a very competitive situation short ? term. I agree with that assessment.

Within the printer business, there is a real danger of ferocious price competition. However, I do not believe there is a real danger of prolonged ferocious price competition. Lexmark is the company best positioned to weather the storm. It will generate tons of free cash flow, none of which has to be siphoned off to other lines of businesses, as it does at all of Lexmark’s competitors. Lexmark’s high free cash flow margin recurring revenue stream will supply it with more than enough ammunition to outlast its competitors. They may be deep pocketed, but eventually, they will have to answer to Wall Street. Long ? term, they can’t compete with Lexmark. It will take them some time to realize that. But, Lexmark has the time.

That’s my assessment of Lexmark on qualitative grounds. How does the stock look quantitatively?

The stock is selling for about 15 times earnings and 10 times cash flow. Right now, a dollar of Lexmark’s stock buys you a dollar of sales. I think that’s a bargain. Not many companies of this caliber sell at a price ? to ? sales ratio of one.

For the last ten years, Lexmark’s return on equity has not fallen below 20%. During the same period, the company’s return on assets never fell below 10%. The free cash flow margin has generally been in the 5 ? 10% range.

I wouldn’t be surprised to see Lexmark’s ROE and free cash flow fall substantially in the next few years. However, long ? term, I believe a return on equity of 15 ? 20% and a free cash flow margin of 8 ? 10% are sustainable. In fact, if I was forced to pick an exact ROE that Lexmark could sustain I would pick 20%. But, I would also caution you not to expect that for the next five years or so.

The important estimate is the 8 ? 10% free cash flow margin. That’s the best way to value Lexmark. At one times sales, you have an 8 ? 10% yield, if you think sales can be sustained. If you think sales can grow, you have to factor that into your analysis. At present, a discount rate of 8% seems appropriate.

I never do a discounted free cash flow analysis on this blog, because I feel the variables that go into are something you have to decide on for yourself. I don’t want to slap an exact figure on the value of a company, because I don’t want to suggest that kind of precision. But here, you can clearly see how I’d value Lexmark. I gave you what I think Lexmark’s free cash flow margin will be (8-10%), you know what Lexmark’s sales are ($5.4 billion), and I gave you the discount rate I thought was most appropriate (8%). The only necessary variable I haven’t provided is a sales growth estimate, and I’m not going to provide that, because I don’t want you to think it has anything to do with the next five years.

It doesn’t. I’m looking at this company well beyond that point, and I like what I see. Lexmark will strengthen its brand (with consumers), and people will still be printing. So, yes, I am projecting revenue growth for Lexmark; and yes, it is enough to suggest Lexmark is worth substantially more than $5.5 billion.

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As is the case with every other common dilemma, there is no slam-dunk
answer. Each option has its own benefits and drawbacks, and it all depends
on a set of financial and personal considerations.

First, your finances. Affordability is clearly key, and you need to ask the
question of how stable is your job and how healthy is your general
financial situation. The short-term monthly-cost of leasing is
significantly lower than the monthly payments when buying: you only pay for
“the portion” of the vehicle’s cost that you use up during the time you
drive it.
If you have a lot of cash upfront, then you can opt to pay the down
payment, sales taxes – in cash or rolled into a loan – and the interest
rate determined by your loan company. Buying effectively gives you
ownership of the car and that feeling of “free driving” that goes on
providing transportation.
If, say, you want to get into luxury models but can’t afford the upfront
cash of purchasing the vehicle than you’re a good candidate for leasing.
Unlike buying, it gives you the option of not having to fork out the down
payment upfront, leaving you to pay a lower money factor that is generally
similar to the interest rate on a financing loan. However, these benefits
have a price: terminating a lease early or defaulting on your monthly lease
payments will result in stiff financial penalties and can ruin your credit.
You need to make sure you carve out the monthly lease payment in your
budget for the foreseeable future, at least for the duration of the lease.

Besides the financial aspect, making a buy or lease decision depends on
your own particular lifestyle choices and preferences. Think about what the
car means to you: are you the sort of person to bond with the car or would
you rather have the excitement of something new? If you want to drive a
car for more than fives years, negotiate carefully and buy the car you
like. If, on the other hand, you don’t like the idea of ownership and
prefer to drive a new car every two to three years then you should lease.
Next, factor your transportation needs: How many miles do you drive a year?
How properly do you maintain your cars? If you answer is: “I drive 40,000
miles a year and I don’t really care much about my cars as I don’t mind
dealing with repair bills”, then you’re probably better off buying. Leasing
is based on the assumption of limited-mileage, usually no more than 12,000
to 15,000 miles a year, and wear-and-tear considerations. Unless you can
keep within the prescribed mileage limits and keep the car in a good
condition at the end of your lease, you might incur hefty end-of-lease
costs.

(Word count: 500)

PPPPPP

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Fortunately, aid opportunities have also multiplied in recent years. Scholarships and grants were once thought of as only available for the poor or the brightest students. That is no longer true. These days, almost everyone is eligible for some type of award.

Free money for college can be divided into two basic categories: scholarships (usually merit based) and grants (usually need based). Of course, many other conditions apply to various awards. Minority status, gender, career plans, and field of study are the most common qualifiers for today’s financial aid awards. Almost everyone can use one of these categories to focus their search for aid.

One of the best sources for college grants is the federal government. Be sure to submit The Free Application for Federal Student Aid (FAFSA) as soon as possible. This will tell you if you are eligible for a Pell grant, and colleges will use this information to determine if you qualify for a school-sponsored grant. Private grant foundations may also require the FAFSA be completed before considering you for an award.

Ideally, a student would start looking for scholarships during the junior year of high school. This may seem early, but some awards require an application be submitted the year before you begin your first semester in college. Furthermore, collecting the names and contact information of prospective awards can take months. You must also factor in time for completing lengthy application forms, writing essays, and scheduling interviews.

In your search for scholarships, focus on three main sources. First, search your local community. Start with the high school councilor’s office, your local library, churches, community organizations, and any corporation that is based nearby. Next, contact the financial aid office of each college you are considering. They can tell you about all school-based awards that may not appear in the standard listings. Finally, use the Internet. The standard search engine is of some use, but dedicated scholarship search sites are a tremendous resource. Some of these data banks have up to 800,000 awards indexed. Best of all, you can search based on a personal profile that will match scholarships to your unique situation.

Of course, this article can only get you started in the right direction. College funding is a complicated process and it is easy to feel overwhelmed. Remember that almost half of all college students receive some type of aid, so the chances of success are good. With a dedicated and organized search plan, you can get your share too.

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Precautions to be taken when buying annuities:

1. One should not Buy Annuities With Long Surrender Periods:

People are talked into buying an annuity that locks up their money for an excessive period of time with a surrender period that is longer than another comparable annuity with similar interest rates.

2. Do not fall for First Year Bonus Interest Rates:

Some annuity companies offer you a ‘bonus’ or ‘bonus interest rate’ on your first year deposit into an annuity.

3. Understand exclusion rations and the value of a partial 1035 exchange.

This is a rather complicated subject because there are enormous variables in determining how to properly structure your annuity contract from day one so as to maximize the taxable exclusion ratios when and if you decide to take an annuitization income from your annuities in the future.

4. Do not use small companies with questionable financial ratings

An annuity by definition is a contract guaranteed by an insurance company. Annuity consumers sometimes forget this and buy and annuity without factoring the claims paying ability of the insuring company. This does not only apply to the questions of solvency or bankruptcy but to the more subtle effect it might have ones contract. If an annuity company has financial trouble it most likely will not go bankrupt (even though it is a possibility) because of the various government regulatory groups that monitor annuity companies. But what can happen is the annuity company will lower the rates at which it credits interest to your account in order to make up its losses in other areas of its business.

5. Know the guaranteed cover per person per insurance company

One needs to know if an insurance company goes broke what is the guaranteed cover per person per insurance company is available .One should not invest more than that in the fixed or guaranteed annuities and the variable annuities are not covered. Because if they broke then one may get stuck or spread the amount between different insurance companies.

6. Consider the shortest penalty free surrender date
The next thing you have to consider is getting the shortest possible penalty free surrender date term as possible so long as the interest rate is better than any CD.

Lastly and most importantly get the best professional help, one who will always tell you “like it is” even if its sometimes hard to listen too and even harder sometimes to act upon.

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First, use some common sense. If you are looking because you’re short on funds, it can be easy to talk yourself into believing the promises you will read online. Try to look at the offers objectively. Many scams try to convince you that you will become wealthy with little effort, and you might even see on the website that this is some “secret” for making money that is just now being revealed. Much later they reveal the cost for learning the secret. Before buying this kind of information, take a moment to wonder why it’s being sold. If it’s really that effective, the person selling it should be wealthy and not need to sell anything.

Second, don’t get involved in a pyramid scheme. These are programs that pay you to recruit but don’t really have a product to sell. You make money by getting other people to join the system. This only works for those who start the pyramid scheme, and is illegal in several states. Note that this is not the same as home party or similar plans where you get a percentage from what you sell in addition to a percentage from those you recruit.

Third, don’t pay to stuff envelopes or make products. In fact, don’t pay to work for anybody.

Avoiding home business scams means avoiding anything that offers easy wealth. It also means avoiding paying to work for somebody. Don’t expect anything online that makes no sense in the real world. Don’t get scammed.

Visit me at http://www.vanclen.com

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If you still think that you can easily make fortune out of the internet, then you may miss the big picture of it unless you are aware of the things you should ask yourself and give your answer before you build your internet business.

You should understand that building an internet business is different from making money from the internet. You can make more money from the internet without building any business.

While building an internet business may ‘cost’ you big investment, making money from the internet may cost you nothing or less. But here’s the interesting part. Making money from the internet needs you stick to the internet all the time. Simply put, the money stops coming in when you stop your internet activity. On the other hand, if you do it correctly, the internet business you’re building will make money for you even while you’re sleeping or away in vacation.

So, to do it correctly, you should ask yourself these questions before building any internet business:

1. Do you have a vision?
What is your business vision? You should have it clear in your mind what your business be in the next 5 years, 10 years, or 20 years.

2. Do you recognize your business strength?
What is your business strength? This will affect the whole concept and strategies of your business. If you think that you don’t have that strength, then you must make an exercise to find that strength!

3. Do you set your business goals?
What missions you want to be accomplished to achieve your business vision? These missions will be your business goals. Make a list of clear and measurable goals with detail activities to reach it.

4. Do you have a business strategy?
What to do to win your business? Use a Plan-Do-Check-Act cycle to test your business strategy.

5. Do you have the technology?
What technology needed for your business? What will be involving? You need to decide which technology is appropriate to your business.

6. Do you have good quality products to offer?
What products you want to offer to your customer? You have to make sure that the product you want to offer to your customer is the one with good quality.

7. Do you have a good quality customer?
What kind of customer will you have? One part of your business activity should be about finding good quality customer. Good quality customer is the one who’s willing to observe, evaluate and buy your products again, again, and again.

8. Do you have a good quality information to offer?
Your customer needs information. Unless you can provide it, you won’t win the business game.

9. Do you have a business coach?
Who will mentor and watch your business growth from the outside? Sometimes you need more than just advice and consultation to grow your business. You may decide to get a business coach to help you grow your business.

10. Do you have the guts, the passion, the patient and the endurance toward the business?
The last things you should have: guts, passion, patient and endurance to build your business.

If you can’t answer just one of the 10 questions above, then you may cancel or think over again about building an internet business.

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