Month: January 2011

Cash genie can help solve short-term financial worries

There will come occasions in everybody’s lives when financial worries will cause stress and angst. Looking only at the less serious instances, when the lack of funds might be described as only an inconvenience, it would not be uncommon to pray that a Cash Genie would appear who would be able to grant our hopes and magically remove our cash concerns.

At the moment, unless you find a magic lamp, this is not an option. There is, however, a way in which the worry caused by lacking sufficient money can be temporarily suspended. This is by taking one of the short-term loans that are increasingly being publicised by online companies. A short-term loan will not, of course, be the right option for everybody, but it can give breathing-space while you wait for your next pay cheque to clear or for other money owing to you to be transferred to your account. Although the interest charged on short-term loans is high, so are, sometimes, the costs of going overdrawn at your bank or building society.

When considering taking a short-term loan it is vital to think about how much money you need and how long a period you need it for. Then you can weigh-up the viable options open to you and make the optimum financial decision for your situation. If you frequently find that you have exceeded your monthly budget and are often in need of a loan then a short-term loan is probably not the best solution to your problems. This indicates that you need to reassess your financial situation more completely than looking for a temporary solution like a short-term loan.

One of the most important things to think about when taking any kind of loan is your ability to repay the money by the agreed deadline. With many short-term loans arranged over the phone or on the internet the loan provider will not run a credit check on you before granting the loan, but your credit rating will be adversely affected if you fail to repay the loan, no matter how small the amount is that you have borrowed.

If you need a small amount of money quickly and simply to tide you over until your next salary cheque arrives, then looking for a Cash Genie online is a better bet than searching for a magic lamp. There are many advantages to such arrangements, such as the speed with which the money can be transferred into your bank account and they can prove useful as a short-term solution to a temporary shortage of funds.

Please visit http://www.cashgenieblog.co.uk/ for further information about this topic.

http://www.cashgenieblog.co.uk/

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Thinking about bid support? Read on to find out more about how it could help your business.

Skilled business proposal writing is essential to winning work in many businesses.  While many people believe that they as they have being writing bids for most of their careers, they have mastered the art, a long career in sales presentations can lead to a tired old style that will hardly inspire potential clients.  For this reason, considering sales presentation training may be a good choice for many businesses.  Rather than being embarrassed about asking for bid support, it should be seen as a forward thinking way of improving one’s performance at work.  The following suggestions on writing bids may give you some inspiration in terms of how professional support could help you.

There are some words and phrases that are usually best avoided in business proposal writing.  For example, words like ‘we understand’ and ‘we believe’ are often overused, and are not specific enough to be effective.  Rather than vaguely stating what you understand or believe, is it often more effective to show how you understand, or demonstrate your beliefs by giving positive recommendations.  Similarly, proposals can often be peppered with phrases that sound hyperbolic or grandiose.  Promoting your company as ‘world class’ or ‘uniquely qualified’ may seem a good idea, but these sort of claims are very difficult to prove and do not succeed in informing the reader of how your bid would succeed.

A particularly important component of a presentation is the executive summary.  It is usually best to write this after the rest of your proposal, so that you have a good overview of its contents. Rather than being a summary, the executive summary should direct the reader’s attention to the strengths of your bid.  In this sense, it should consist of a few paragraphs explaining why the client should select your bid, without them having to read anything else.  Particularly for very long bids, it is often the case that the reader devotes more of their attention to the executive summary than the rest of the document in its entirety, and in this sense it is certainly the most important part of the presentation.

If these minor points have been useful in terms of your business proposal writing, it may indeed be the case that professional bid support would be a good idea for your business.  Even if it only gives you a small edge over your competitors, you may find that sales presentation training is the best investment you could possibly make for your business.

Please visit http://www.salesengine.co.uk/ for further information about this topic.

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Duplicate payments can silently eat into your company’s profits

Any accounts manager will recognise that things don’t always add up as tidily as they should. It ought to be simple in principle: incomings, outgoings, profit, loss – the columns should balance. When they don’t, you can be almost certain of the reason why: human error. duplicate payments are easy to make when people are disorganised and don’t keep track of invoices. An accounts payable audit is likely to turn up a number of similar mistakes and glitches, highlighting just how dear this can be for a company. Recovery audit software is one way of pinpointing and tracking the discrepancies in your accounts system, gaining back the money you have unnecessarily paid out and stopping the same thing from happening again in the future.

Whilst automated systems are reliable and straightforward, people often don’t work the same way. Duplicate payments can occur when invoices are submitted twice, perhaps mistakenly due to miscommunication, or perhaps because the client has emailed it to two different departments in the illusion that it will get dealt with more quickly. If clients are disorganised, this can be even worse – you could be dealing with a backlog as they try to get up to date, and be expected to sort out the mess of their own accounting system. Then there are the rarer cases of fraud, where people deliberately try to use loopholes in your accounts department. Naturally, you will want to be aware of these, since this represents a deliberate and dishonest attempt to siphon money off from your company – rarer than simple error, but by no means unheard of.

Estimates range wildly about the extent of the fact of duplicate payments and other unnecessary payouts, and naturally it will depend on the scope and size of your firm, as well as how organised and qualified your accounts department is. However, an accounts payable audit on the average business might typically reveal a one percent over-payment – a deceptively small figure which can nevertheless add up to a significant amount of money, especially if a company is very large or perhaps close to the edge to begin with. For a one-off outlay, recovery audit software can avoid such problems occurring again in the future – and help you to recoup any past losses at the same time: a nice bonus that might pay for the investment at a stroke. Put in those terms, there’s no downside to putting that kind of procedure in place.

Please visit http://www.fiscaltechnologies.com/ for further information about this topic.

http://www.fiscaltechnologies.com/

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