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How Invoice Factoring Can Solve Cash Flow Problems For Your Business

Invoice factoring is a way for you to convert your company invoices and future credit card receipts into immediate cash quickly. You sell these invoices or credit card receipts to an invoice factoring company in return for immediate cash.

You may decide to factor your invoices for many reasons. Typically, companies use factoring to increase marketing and advertising, finance seasonal needs, reduce bad debt and improve credit rating, Offer extended credit terms to their clients, meet increased sales demands and more.

Factoring, unlike a traditional loan, does not create company debt. You will not be required to make monthly payments. Your credit line will not be determined by your company’s financial strength or your personal credit. Your credit line will be determined by the financial strength of your customers and the size of the invoices you hold.

Every business needs cash to grow. In fact, sometimes the faster a business grows, the more its cash flow becomes a concern. If you’ve tried to obtain a bank loan recently, you know the banks move slowly, if at all. The approval process is burdensome and most applicants don’t even end up qualifying for a bank loan.

As a business owner, you probably don’t have time to write a business plan and assemble the endless piles of paperwork the banks demand, let alone time to sit around waiting months and months while bank committees consider your request.

A factoring company will request a little documentation (e.g., copies of your invoices) from you and may have a few follow-up questions. Once you are approved, you choose the customers and invoices you’d like to sell. The company will then advance the funds to you and you can use them immediately to pay rent, purchase supplies, meet payroll, take advantage of expansion opportunities, or any other way you choose. When your customer ultimately pays the invoice, they will collect back the money they gave you earlier and send you any excess funds.

If you have customers that take 30+ days to pay your invoices or your business accepts credit cards regularly and you need cash soon, factoring can help you. There is simply no need to borrow from a bank to get the cash you need — factoring invoices can help you without all the time and difficulty involved in applying for traditional bank loans.

Generally speaking, businesses in most industries will qualify for invoice factoring. The main requirement is that you sell to financially sound customers on a regular basis, and do so on open credit terms. Some of the more popular industries for factoring include: trucking and freight, temporary staffing, medical, oil and gas, distributors, government contractors, construction, and manufacturing.

Invoice factoring is a great way for any business to remedy cash flow issues quickly. Many companies offer guarantees of funding in as little as 24 hours time. Typically, in situations where immediate funding is not required, you should expect the approval process to be completet in about 5 to 7 days. If your business needs money to grow, buy equipment, or even pay bills; invoice factoring may be the best solution for you.

How to Start your Own Baby Food Business Part #6: Manufacturing Vs. Catering

Handmade Baby Food vs. Commercially Produced, Store Bought Baby Food

Food from your baby food catering business will be differentiated from commercial, factory produced baby food in the following ways:

People & Production

Your baby food is made-by-hand by individuals who are committed to the quality of the baby food. At least one certified chef is on duty at all times supervising the process and ensuring that ingredient and cooking standards are met. The food is made in a state-of-the-art commercial kitchen like the ones used by top chefs.

Commercial baby food is produced in mass in a factory or co-packing facility. More often than not, baby food is not the only food product produced in the facility. Typically baby food is made by workers that do not have culinary training and do not have a passion or commitment to high quality baby food.

Hand Selection of Ingredients

Each and every ingredient in your baby food, down to the smallest berry, is hand selected to ensure that it is of the highest quality and to make sure that it is completely ripe.

Commercial baby food is made from massive deliveries of bulk produce that arrive on loading docks. Food quickly passes by workers on conveyer beltsthere is little time for manual inspection.

Source & Quality

The majority of the ingredients in your baby food are locally grown. They are picked only when fully ripe and go from the field to our kitchen within a matter of days, sometimes hours.

Produce used to make commercial baby food comes from multiple sources and multiple countries. It is often picked before fully ripened, to withstand the long transport from the field to the factory. Sometimes produce becomes over-ripe or rotten as it sits on trucks, in warehouses, or on loading docks for days or weeks.

Organic

You use only 100% organic ingredients that are never stored near other non-organic ingredients or produced alongside non-organic foods.

Even foods that are made with organic ingredients can be contaminated with pesticides when they are transported or stored with or near non-organic ingredients or produced in a facility that also makes non-organic food products. Commercial baby food is often made in large factories or by co-packers that also produce non-organic foods.

Washing

All of produce used in the production of your baby food is individually washed or scrubbed by hand.

In commercial baby food factories, produce is either rinsed as it passes under a sprayer on a conveyer belt or it may be allowed to sit in a vat of water to be cleaned. Often the process involves cleaning agents or chemicals.

Preparation

All the produce used in the production of your baby food is peeled, cored, or diced by hand. This provides a second inspection of the ingredient before cooking.

Produce used to make commercial baby food is peeled, processed, and cut by machines in large batches. Seeds, stems, rotten spots, etc. can easily go over looked and may be included in the final product.

Cooking

The majority of your baby food made using produce that has been gently steamed to ensure that the vitamins and nutrients are not «cooked out» of the food. This process also helps the food to retain its natural color. Some foods are baked or roasted whole to ensure that the natural juices are retained.

Commercial baby food is boiled in large vats or cooked quickly in giant, super heated ovens. Both processes are designed to cook the food as quickly as possible so large amounts can be produced at once. The food must be cooked at high enough temperatures to be sterilized in order for it to sit in a warehouse or on a store shelf for long periods of time. Essential nutrients and natural colors are lost. Vitamins and color must be added back into the food. This is accomplished using either synthetic materials or fruit/vegetable concentrates or dyes. Some food dyes are made using ground insects.

Processing

Your baby food is pureed in small batches which are weighed and measured by hand. Each batch is checked and rechecked to ensure a smooth or creamy texture.

Commercial baby food is ground in large, industrial vats. Sometimes tons of food is processed at once.

Texture

You add only a small amount of distilled water to your foodjust enough to allow for a smooth puree. Because we add such a small amount of water, there is no need to add thickening agents.

Large amounts of water are added to commercial baby food to «thin it out». This allows the company to get more baby food out of each pound of produce (water is cheap) thus increasing company profits while nutritionally cheating babies. Thickening agents, such as starch, are then added (starch is cheap too). Thickening agents also «stabilize» factory-made foods by keeping the complex mixtures of oils, water, acids, and solids well mixed.

Quality Control

At every point in the cooking and pureeing process the temperature of the food is checked and rechecked to ensure that the correct temperature and consistency is being met. Temperature is monitored during the cooking process to make certain that vital vitamins and minerals are not «cooked out», and as food is cooled to avoid pathogen growth.

Most of the production is often monitored by computers rather than humans.

Packaging

Your baby food is packaged by a person, giving it one final quality check.

Commercial baby food is packaged by big machines that squirt food into jars or containers with no one overseeing the process.

Freshness, No preservatives

Your stores/kitchen/etc.make fresh baby food daily. You only make enough food to fulfill the needs of for the current week. Your baby food is sold or delivered to customers within 24 to 48 hours of being made. There is no need to add preservatives and no food is wasted.

Commercial baby food is made in mass. Tens of thousands of «units» of baby food are produced each day. Commercial baby food can sit in a warehouse or on a store shelf for up to 2 years. The companies must add chemical or natural preservatives to keep the food from degrading. Even frozen baby food in the grocery store can sit in the freezer for months before it is sold.

Hungary Upstream Oil & Gas Fiscal Regime: 2010-Aarkstore Enterprise

Summary

Hungary upstream oil and gas fiscal regime report is an essential source for information related to the upstream fiscal system enacted in Hungary’s oil and gas industry. This report contains information related to various types of payments that are to be made by any oil and gas producing company to the host government. The report provides the most recent laws and tax policies in the country. Each fiscal report is supported by a fully editable and interactive Excel model, where all the fiscal terms are applied on a hypothetical base asset. This interactive Excel model, with the latest fiscal term information, is the most appropriate tool to evaluate the profitability of operating oil and gas fields under the country’s fiscal environment.

Scope

— The report provides detailed information on governing laws, licensing authorities, type of contracts and licensing information in country’s upstream oil and gas industry.
— The report provides information on the latest fiscal terms applicable in the country’s upstream industry. These range from exploration obligations, relinquishments to royalties and taxes.
— Deductions, depreciation and amortization related information is also covered in the report.
— Covers sample cash flows and the methodology to apply a fiscal system on an oil and gas field in the country.
— Base asset valuation with government take, contractor take, gross revenue split is provided in the report.
— Sample asset NPV sensitivities to discount rates are also provided in the report.
— Interactive Excel models can be used to derive valuations, sensitivities and cash flows based on the custom inputs by the user in the model. These custom inputs vary from field production data, cost information, price information and fiscal terms information.

Reasons to buy

— The report provides a detailed scenario of upstream oil and gas laws and their impact on the cash flows.
— The report will allow you to value a prospective investment target through a comprehensive and real-time fiscal analysis and focused methodologies.
— The report with interactive model will enhance your decision making capability in a more rapid and time sensitive manner
— Decide on market entry strategies in specific markets and understand the impact a country’s fiscal policies on your future assets

For more information please visit:

http://www.aarkstore.com/reports/Hungary-Upstream-Oil-Gas-Fiscal-Regime-2010-38393.html

OR

Aarkstore Enterprise
Mobile : +919272852585
Fax : +912224169996
Email : press@aarkstore.com
Website : http://www.aarkstore.com

Is A Boat Rental Club Right For You

Owning a boat is a dream for many Americans, but one that can turn into a nightmare of unforeseen costs. Many novice boaters don’t realize all the costs associated with purchasing a boat and wind up with an expensive driveway ornament aside their car instead because they can’t afford gas, insurance or the other myriad things boat owners must pay for.

In recent years, enterprising business people have begun offering a solution for the high price of boat ownership: Boat rental clubs. These clubs rent out their fleet of boats to members on a daily, weekend or even monthly basis at a discounted cost. For example, one marina in Ft. Lauderdale, Florida charges non-members $329 to rent a 21-foot bow rider, but a member of the club would pay just $136, not including gasoline.

Typically, boat rental club members must pay yearly dues in order to receive the discounted prices. However, once most boaters add up the costs of insurance, gasoline, storage, docking and maintenance, not to mention the actual purchase of the boat itself, they find that joining a rental club saves them money. Boat rental clubs may also offer their members other benefits such as discounts on equipment rentals like skis or scuba gear, discounts at local restaurants and a special price on gasoline and oil.

Membership plans vary from club to club. Some offer annual memberships with a high initial cost and lower costs for renewals. Some offer a flat annual fee with no further rental costs. Some offer seasonal memberships. Be sure you understand all the terms of the membership agreement and don’t allow yourself to be pressured into more of a membership than you feel you need. For example, if you’re new to boating and unsure how much you will actually use your membership, a multi-year contract is probably not the best choice for you.

Finally, if you are an avid boater and plan on taking your boat out for several days every week, or for a series of long trips, a boat rental club may not offer you the same savings as it would a more casual boater. To see if a rental club would save you money, total up all the costs associated with your boat and divide that by the number of days you plan to use it in a year. Then add up all the costs associated with a boat rental club membership and divide by the number of days you will use your membership. Whichever number is lower will be the most cost-effective option for you.

How Are Ball Bearings Made?

The answer can be split into a few different sections as you can take each part of the bearing and describe how each component is made. First let’s take the balls of a ball bearing as these are quite an essential part! First of all a piece of thick wire is fed into a machine, the wire is cut down by chopping off pieces from both sides until it is quite small. The machine then slams two hemisphere cavities into the piece of wire to make a ball shape. After this the ball has a ring around it like the planet Saturn called the flash, this needs to be taken off as the ball needs to be perfectly round and smooth to work. The ball with the flash is fed into another machine which rolls the ball around between two hard pieces of steel called Rill Plates, and this roughs away the flash and smoothes over the ball, a little bit like sanding down wood. After this process the ball is then heated so the ball hardens. For balls to work within a bearing perfectly the balls needs to be of perfect measurements, and so the last stage of the ball making process involves measuring the ball, it needs to be so precise they measure it down to a millionth of an inch.

How are the other parts in a ball bearing made?

The other components to a ball bearing include races, a cage, and then the covering to protect the bearing.

Let’s look at races first; both inner and outer races are made in the same way. The races are what the balls go between. First of all they take a steel tube and feed it into a machine where the machine cuts off an amount of the tube to work with. The piece of tube is then put into a very hot furnace for a few hours, temperature at around 800 degrees C, then they put it into oil to cool them down, this process makes the steel tube extremely hard. From here the tube needs to be cut down into the appropriate size of the racer but because they have been hardened they are grinded down, a little like sanding. The grinding machine has the perfect shape that the racer needs to be and this makes it incredibly smooth all over as well. The smoothness is important as the balls need to be able to move and roll freely within them.

How about the cage, what is that made out of? The cages can be made out of steel or plastic. Steel cages are cut from thin sheets of metal and then shaped within a mould called a die, once the shape has taken place the die is opened and the shape of the cage is pulled out. Plastic cages are made by injection molding, a mould of the cage is set and then liquid plastic is filled into it and the plastic hardens for the cage to take shape.

Once all the parts are built separately they assembled together to build the ball bearing, each part needs to be very precise in smoothness and measurements for the bearing to work correctly.