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In several states unclaimed money has reached inside the billions. A single state can owe as much as 5.5 billion unclaimed money and is estimated that 20% of the population as unclaimed funds.

The global economic recession has hit everyone hard. However, it is the commercial ventures that have taken a harsh blow from the recession. A successful business is a rarity today. The secret to a successful business at any time would be healthy cash flow. Cash flow becomes all the more important in today’s environment with economic hardships and credit crunching. The importance of cash flow can be brought into perspective when one considers the scenario with no cash. A lost customer is just that, a customer you have lost and will not get back. This customer can be replaced by another customer whom you will treat properly and ensure he stays a loyal customer. However, a situation where there is no cash leads to a situation where you cannot pay your creditors or suppliers. Some times you cannot even pay your employees. This will mean that you do not have a service to provide and when you are not providing a service you do not have a business.

Profits and losses are the primary forces that govern the cash flow of a business. Smart business managers will keep an eye on both their profits and their losses so that they can allocate their resources effectively to ensure that they have optimised their cash flows. For some businesses, an optimised cash flow means enough money to pay expenses with a small amount of profit left over. For others, it is important to maximise profit yields to invest in the growth of the company.

Your business needs a positive cash flow to survive. When debtors fail to pay on time, your cash flow as well as the ability to meet quarterly reporting obligations are affected. Here are some tips to help you manage your debtors and maintain your cash flow.

You need money to keep your business running, but many business owners experience cash flow problems that put the future of their business at risk. Luckily, there are many remedies to cut expenses in your business and improve your cash flow situation. Let’s explore these options:

In the financial services industry these days there are A LOT of professionals that go by the generic title of “Financial Adviser” insurance agents, brokers, retirement plan salespeople, registered advisers and many others share this title. But many “advisers” are merely salespeople that know only how to tow their company’s line and parrot various talking points. Here are three ways to tell a true adviser.

Different people manage their debts their debts in different ways – this article looks at this in more detail. I read an article from Callcredit looking at how different age groups manage their debts in different ways.