Small Business Data Sources: Best Places To Find Free Data Sets in 2017

Successful entrepreneurs such as Tesla founder Elon Musk are glorified as bold risk-takers. People sing Musk’s praises for his gamble in investing his $180 million Paypal proceeds to three separate companies. For Musk, however, the multi-million dollar deals were not gambles. He knew the facts were on his side. As a result, his three companies…

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Small Business Finance Statistics – 15 Stats You Should Know

Small businesses may be the bloodline of the country’s economy but they don’t have it easy. They face multiple challenges on many fronts including cash flow, funding, and accounting. Is it easy for entrepreneurs to get funding? Are small business owners prepared for taxation? Do they have enough capital to keep the business operational? We’ve…

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How To Write A Business Proposal In 5 Easy Steps

Writing good business proposals is key to expanding your business with quality relationships. However, writing a business proposal can be tricky. You need to promote your business, yet keep the details honest and straightforward. In this guide, we explain how to write a business proposal with 5 easy steps. We’ll also show you how to…

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27 Real Estate Business Cards We Love

If you snuck into my home office and opened my desk drawer, among the half working pens and thumb drives, you’d find at least two dozen real estate business cards. Most are from agents I’ve done deals with in the past, and if you looked hard enough, you’d (probably) find at least a handful of…

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15 Sales Statistics That You Should Know

America has a love-hate relationship with sales. We are quick to shut the door on individuals peddling their wares, yet it is the same enterprising spirit that sustains the country. Love it or hate it, sales is what makes America great. You can help keep that spirit alive starting with these 15 sales statistics that…

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5 Reasons You Should Attend the Internet Retailer Conference & Exhibition (IRCE)

I felt like a kid in the world’s biggest candy store when I walked into the 2017 IRCE ecommerce conference in Chicago this summer. In fact, I no doubt resembled Dr. Suess’ Thing 1, bouncing from booth to booth, trying to take in all that 600-plus ecommerce vendors had on display. When I finally paused…

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How Can Seasonal Businesses Better Manage Cash Flow?

Guest Article

While there are many advantages to running a seasonal business, one of the primary challenges is managing cash flow – having enough money on hand to get ready for the busy season, making the most of the revenue generated in season, and having enough money on hand to survive in the off season.

With these tips, small business owners with seasonal businesses can better manage cash flow to optimize opportunities before and during the busy season while also learning ways to save for and get through down time.

1. Plan your expenses properly as you gear up for the busy season and ensure that you never fall behind on bills in the off-season

  • Get three months ahead on bills, keep a calendar of bills and scheduled payments.
  • Record all business transactions in a online bookkeeping program (QuickBooks® is a popular one). In addition to keeping track of revenue, don’t forget to include expenses in end-of-year financials, which will help decrease your taxable income.
  • Regularly review your business bank statements to confirm all transactions and avoid unnecessary fees, like those for insufficient funds and overdrafts.
  • By preparing a budget in advance, you’ll be more likely to put enough money away while revenues are strong and be ready for a dips in income.

2. Have a full understanding of your business’s working-capital needs to cover seasonal inventory , payroll, cash, and accounts payable monthly)

  • Inventory: How much do you have? How much do you need to fill orders? How often do you order? Can you buy in bulk during the off season to save money? Wholesalers typically provide better price points for bulk purchases.
  • Cash: It’s critical to track everything you spend and earn daily to know how much cash you have at any given time. Most business owners rely only on bank account statements or current balances, but checks may have been cut that haven’t posted in the bank, which can lead to significant miscalculations.
  • Accounts payable: Negotiate with vendors to get credit and longer terms and lower payments during the off-peak season and larger payments during the high season to help you optimize your cash-flow cycle, and be sure to make all payments on time and as negotiated to stay in good standing with your vendors..
  • Accounts receivable: Invoice clients on time and collect regularly, and negotiate with your customers for faster payment terms and turn as many as you can into electronic funds transfer payments to create a smaller working capital gap. If a client falls behind on payments, consider whether to continue doing business, or renegotiate your payment terms. Don’t be lax about following up on late payments.

3. Prepare for off-season cash-flow crunches by securing a loan or line of credit in advance: Several months before you may need it, meet with your banker about obtaining a business loan or line of credit. For some businesses, too, it may be advantageous to negotiate for interest-only payments during the slow times and full monthly payments (interest and principal) during the busy time. If you do take out a line of credit, make sure to understand its “cleanup clause contractual provision” –that’s bank-speak for how long you’ll need to bring your balance down to zero. Usually, it’s for a period of 30 to 60 days. Be prepared!

4. Budget and forecast properly: Budgeting is critical for seasonal-business success. Effective cash-flow forecasting will keep you on top of your cash availability throughout the year. If you need help creating and using cash-flow forecasts, this template from SCORE can help.

5. Staff appropriately: Staffing appropriately during and between high seasons is essential, as insufficient staffing during your busy season can mean lost sales and overstaffing during your low season can mean extra expenses that you don’t need and can’t afford.

  • Consider hiring independent consultants on a temporary basis and scale down your staff in the off-season.
  • Another option, if it fits your business, is to bring on employees on a commission-only basis, so that you’re paying less during your down time.

For seasonal business owners, off-season is the time to review every aspect of your business and prepare for your busy season. Once you are in your busy season, it’s essential to stay on top of your daily financials to leverage opportunities to generate revenue and strengthen your position when things slow down.

About The Author

Steven Cohen is president of Excelsior Growth Fund (EGF), which helps New York State small businesses grow by providing streamlined access to business loans and advisory services. Steven has a bachelor’s degree from UC Berkeley and a master’s in public administration from Harvard’s Kennedy School


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How do You Deactivate Your Facebook Account?

How do You Deactivate Your Facebook Account?: We know how addictive Facebook can be … so, this guide will help you deactivate your FB account for the mean time and you could reactivate it whenever it pleases you. If you are feeling too addicted to Facebook, you may consider turning off Facebook notifications or proceed to deactivate it until you feel you are less busy enough to use the social network again.
In this article, we are writing about steps you should take to temporarily deactivate your Facebook account.
Let’s begin!!

How to Deactivate Your Facebook account

Do this to deactivate your FB account:

  1. Click the account menu at the top right of any Facebook page
  2. Select Settings
  3. Click General in the left column or visit
  4. Choose Manage your account then follow the steps to confirm

You don’t even need to go through all those long processes, simply visit this link: on your web browser and proceed to temporarily close your Facebook account.

Keep in mind that you haven’t “deleted” your Facebook account permanently. It is merely invisible from public viewing and will not be seen via Facebook search.

However, all information on your account gets saved by Facebook, including your friends, photo albums and any groups you joined. Facebook says it does this in case you change your mind and want to use Facebook again in the future.

How to Reactivate Your Deactivated Facebook Account

If you change your mind later on, you can easily retrieve your Facebook account. To reactivate your deactivated account, simply login with your Facebook login details.

Facebook will automatically reactivate your account again.


Visit Learn Facebook Basics for more details on Facebook related problems.

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Overcoming Objections: How to Deal with the 9 Most Common Sales Objections

There is nothing more devastating to a sales opportunity than an unexpected objection. If you’re tired of losing deals because “you’re too expensive” or “it’s not a priority right now”, then it’s time to explore overcoming objections to learn how to steer the conversation forward. In this article, we share the 9 most common sales…

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