OnLine Exchange e-zine
...A Realm of Information for the Avid Internet Marketer
August 12, 2004 Issn:1528-3992 - Circulation:28,000+

Copyright©2004  All Rights Reserved

"Man needs, for his happiness, not only enjoyment of this or
that, but hope and enterprise and change."
-- Bertrand Russell

In This Issue...

1. The Editor's Choice
2. HeadLine Article:   Cash Flow Problems Don't "Just Happen"
3. Interactive Clas^sifieds
4. Parents Time-Out- Treasure Hunt

5. Hot Biz*Tip- Blocked Newsletters
OnLine Exchange Directory & Information 

This EDITION of THE ONLINE EXCHANGE e-zine is brought to you by our:


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1.) THE "EDITOR'S CHOICE"
___________________

A warm welcome to all of our New Subscribers.

The OE Team would like to present our "Editor's Choice"of the week:


Daniel Lamaute of InvestSafe.com

Daniel is a retirement plans specialist and owner of Lamaute Capital, (InvestSafe.com)
an investment brokerage firm that works with individuals and small businesses.

Some of his featured articles include:
~ Health Insurance for the Self-Employed
~ Avoid Losing Your Home to a Bank Foreclosure

You can read these articles, and more at:

http://www.ezinetrendz.com/articles.htm

__________________________


The OnLine Exchange would like to TEAM UP with
our Subscribers by offering you a chance to share
your professional profile with the rest of our
OE Team. This is a F*R*E*E service for YOU.
We have over 28,000 subscribers, and
each week we will providing you with, "The Editor's Choice"
section, which will be a professional profile from one of
your fellow OE Subscribers. You too can submit your
own professional profile. Just click here

http://www.online-exchange.com/profile.htm

and fill out the form. We will let you know when your profile will
be published.

This is GREAT publicity for your business, so help support your
fellow OE Team and read our Editor's Choice each week !

 
Have a GREAT Weekend!

Until Next Time!

Best Regards,
Debbie Solomon
editor@online-exchange.com


Please forward this e-zine to all your friends and co-workers who might be interested!


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2.) HEADLINE ARTICLE
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Cash Flow Problems Don't "Just Happen"
By Philip Campbell

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You would be shocked and amazed at the number of businesses
that fail because the owner did not see a cash flow problem
in time to do something about it.

One thing I want to help you to see is that a cash flow
problem can almost always be seen far in advance - far
enough in advance to do something about it.

It is a myth (I'm trying to put this as politely as
possible) to think that cash flow problems "just happen".
Rarely is a cash flow problem a sudden event. It is almost
always something that accumulates over a period of time.

And it is not difficult to see it coming.

Joe Frazier, the famous boxer, said this: "The punch that
knocks you out is the one you didn't see".

What Joe Frazier was saying is that in boxing, if you see
the punch coming, you have a chance to react. You have a
chance to get out of the way. You have a chance to at least
"roll with the punch".

It's when you don't see the punch coming that you get
knocked out.

In business, if you don't see a cash flow problem coming,
then you don't see it until the problem has arrived on your
doorstep. Most people don't have a good view into what their
cash balance is going to be so the problem smacks them on
the side of the head without warning.

That's how businesses are ruined.

Even if you believe you will have a cash shortage in the
future, you still must see it - in advance. You must see it
clearly for what it is, how much it might be, and precisely
when it is likely to happen.

Then you can plan in advance exactly what you need to do to
head off the punch before it lands on the side of your head.

You can't have the punch show up at the last minute, when
you didn't see it coming. This kind of surprise blow will
knock you out. It could be the kind of blow that ruins your
business.


THE ALL-IMPORTANT CASH FLOW QUESTION


The most important single step you can take to head off a
possible cash flow surprise is to ask and answer this very
simple question:

What do I expect my cash balance to be six months from now?

Answering this question will force you to "focus forward".
It will force you to look at your business in a new and
revealing way.

It will pull you out of the past and into the future.

The key to answering this question is having a monthly cash
flow projection for your business for at least the next six
months. A schedule that shows your projected revenues and
expenses in the context of your beginning and ending cash
balance for each month.

I can't stress enough how critical this is to really taking
control of your business… and your cash flow. It's hard to
overstate just how important this is to everything you do in
your business.


YOUR FINANCIAL STATEMENTS ARE NOT THE ANSWER


A cash flow projection is very different than the basic
financial statements you use to manage your business each
month.

The standard financial statements that all businesses use
are not adequate for answering this question. Financial
statements are always historical, meaning they're always
presenting what happened in the past.

They are a bit like the rear view mirror in your automobile.
The rear view mirror is very helpful when you need to see
what is behind you. However, when you are driving down the
highway, your focus needs to be on what's in front of you.

An occasional glance in the rear view mirror is all that's
required.

You have to have a good clear view of what's ahead of you in
order to get where you are going safely. Look in the rear
view mirror for too long and you will soon be crashing into
something in front of you.

Cash flow projections provide the visibility you need to
avoid cash flow problems.


CREATING PEACE OF MIND


Remember, cash flow problems don't "just happen". They can
almost always be seen long before they ever happen. Your
job is to know what you expect the cash balance to be six
months from now. That way you're in control of your business
and your cash flow.

Use cash flow projections to make sure a cash flow problem
never catches you by surprise. They will provide you the
peace of mind that comes from knowing you have your cash
flow under control.

You CANNOT run your business successfully without them.


Philip Campbell is a CPA and the author of the book:
"NEVER RUN OUT OF CASH, The 10 Cash Flow Rules You Can't
Afford to Ignore". Philip has helped hundreds of business
owners take control of their cash flow. You can learn more
about taking control of your cash flow and eliminating your
cash flow worries at http://www.neverrunoutofcash.com.

 
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3.) INTERACTIVE CLASSIFIEDS
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4.) PARENTS TIME-OUT
______________________

Time Out for Parents

Welcome Parents. It is time for a little Time-Out. Running an online business or working outside of the home takes much time and effort away from your family.
This weekly feature is committed to helping parents take back that quality time and devote it more fully to spending it with their children.

Check out this week's features:

«¤»¥«¤»§«¤»¥«¤»§«¤»¥«¤»§«¤»¥«¤»§«¤»¥«¤»§«¤
Time Out for the Week -  Treasure Hunt
What's for Dinner? - Macaroni Grill Sesame Shrimp
Just for You - Get out
Site of the Week - Piano Lessons

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Follow the link below to see what it is all about!  You owe it to yourself and your children!

http://www.parentstime-out.com

This page is designed to be simple and easy to follow.  Our goal is to keep it short and simple each week, allowing you to maximize your family time.

You can find all of our Time Out editions archived at http://www.parentstime-out.com/archives.htm

 


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5.) HOT BIZ*TIP
_____________________

Blocked Newsletters

Some of the major ISPs will block the sender of email, if they
have too many bad addresses on their mailing list. This means
that ANY email you send to someone using that ISP will not
receive it if you are blocked.

While I disagree with many of spam policies of the major ISPs,
this one I have to agree with. Except for the most active
spammers who refresh their mailing lists every day, many of the
lists are older, especially those ones you might be tempted to
buy on a CD. These addresses can be months old and have a very
high rejection rate.

Face it - if there are a high number of bad addresses, it is most
likely an outdated spam list, and the sender should be blocked
from sending email. This however can cause you a problem.

If you change ISPs and don't unsubscribe from a newsletter you
might receive, they now have a bad address on file. If they have
enough of these, their newsletter is toast. It has been my
experience that 2% to 3% of a mailing list goes bad each month.

How come so many you might ask. Newbies join AOL for the free
temporary membership, become disenchanted and don't continue.
Others might subscribe to a cable company or change ISPs, and
don't need their old address any longer. Still others switch to
free email accounts, and so on - the reasons are endless.

We recognized this problem a long time ago and automatically
remove an address from our file if it is returned as
undeliverable. This is good and this is not so good. While we
won't be blocked by the major ISPs for having too many bad
addresses, your address could be removed from our subscriber file
if your ISP has a problem and can't receive our email.

If you suddenly stop receiving your newsletter, best bet is to go
to http://www.adv-marketing.com  and sign up again - it only takes
a minute. If you still don't get the newsletters on a regular
basis, it is being blocked by your ISP as it violated one of
their spam filters.

Our newsletters most likely will set them off due to the content
of the publication. If you are going to talk about business and
current happenings on the Internet, you can't avoid using terms
that the ISP has identified as being spam related.

If you don't get it on a regular basis, contact your ISP and tell
them you want to receive it. Contact customer service at your
ISP and send the following message:

"I signed up for a Newsletter that I do wish to receive but am
not getting it. I checked with the publisher and they assure me
it is being set from: 1-webwiz.com IP - 216.109.145.220 or
5star-video.com IP - 66.70.115.110 - Please ensure that I
receive anything sent from these email addresses.

There are other ways you can ensure you will receive it, such as
putting our address in your address book. If it doesn't work for
you, contact your ISP and discuss the problem with them. After
all, YOU are their customer and they're not doing their job if
they block email you wish to receive.


-----

Did you know that subscribers to Bob Osgoodby's Free Ezine the
"Tip of the Day" get a Free Ad for their Business at his Web
Site? - http://adv-marketing.com/business/subscribe2.htm  - For
information about building your computer, or technical support
questions, contact JP at: mailto:answerguy@comcast.net

 


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 E-ZINE BUSINESS DIRECTORY & RESOURCES

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EZINE BUSINESS DIRECTORY
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ONLY subscribers who have personally and voluntarily subscribed to this Ezine will Receive it. We are 100% Opt-In. We will NEVER provide our subscriber list to ANYONE. We respect the privacy of our readers.

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CONTACT INFORMATION-

Editor: Debbie Solomon
Publisher: Sara Hardy
http://www.marketingtrendz.com
MarketingTrendz
1640 West Sandpiper Circle
Pembroke Pines, FL 33026
support@marketingtrendz.com


_______________________


DISCLAIMER-

THIS DOCUMENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.
The information contained in this document represents the current view of MarketingTrendz on the issues discussed as of the date of publication. Because MarketingTrendz must respond to change in market conditions, it should not be interpreted to be a commitment on the part of MarketingTrendz and MarketingTrendz cannot guarantee the accuracy of any information presented after the date of publication. Information provided in this document is provided "AS IS" without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and freedom from infringement. The user assumes the entire risk as to the accuracy and the use of this document.

All opinions and viewpoints in each editorial of The OnLine Exchange Ezine is expressed solely by the editor and writer, Debbie Solomon. The opinions set forth by the editor is not necessarily an interpretation of viewpoints made by the company.

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