Monthly Archives: October 2018

Cash Flows . Timing Is Everything When It Comes To Financing Business Cash Flow And Capital Management

Working Capital is an area of business that requires solutions that revolve around timing. Timing is everything when it comes to the fundamental problem of managing and solving the cash flow conundrum!Let’s examine some of those solutions using the example of a company trying to grow… which is what it’s all about is it not?!
This is when what we could call your ‘ cash flow cycle ‘ needs to be both understood… and addressed. That’s because the concept of timing has just kicked in … your have produced your goods or provided your services and a specific amount of time has lapsed as you now generate revenues via invoicing… and wait for payment. It’s no secret that that whole cycle varies between each company and industry. But whether your cycle is 30 days or 120 days the effects of that timing require certain activities to be financed.
The timing around this cycle, as well as the solutions that your bring to bear makes or breaks your overall liquidity and solvency – aka ‘ Survival’!Example of the need to finance that cycle are should be quite clear – your firm must buy supplies or inventory, at the same time taking on payables. Wages and salaries must be covered and then you’re in the waiting game when it comes to delivery and acceptance of your goods and services, as well as final payment from your clients based on your credit terms. It’s therefore no secret to the business owner to see that using our example it can easily take those 30-120 days for a dollar to in effect flow through your company.
Again… it’s ‘ timing’!When you look at your balance sheet you see that the ratios of current assets and liabilities have also changed dramatically. You’re unfortunately less liquid and this can only be solved by financing the shortages you have carried. Of course your customer could pre pay you in advance for orders, or pay you ‘ cash on delivery ‘ but that’s not the perfect world we dream about.Financing business cash flow is all about monetizing and managing your assets.
Solutions in Canada include:
Receivable financing
Commercial bank lines of credit
Asset based lines of credit
Sale lease backs
Tax credit monetization
Purchase Order and Supply Chain financing
Utilize one or a combination of solutions to manage the ‘ patterns’ of financing that your business needs. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist your with putting together a solution that addresses the timing of cash flows and capital in your business.

How To Integrate Your Usp To Your Existing Business

Integrating USP to your existing business process is critical to your business success. Given that you have a state of the art, invaluable USP in your business, if it is inside your brain only, it is completely useless. Your customers should know the reason why they should buy from you but not other people, therefore it is required to expose to your target prospects that reason to buy from you. And this is the process of integrating USP to your business. In other words, if you want to make money without spending additional advertising cost, you are strongly suggested to integrate your USP to your business process.
In order to do that, it is assumed that you have already had the USP ready. And here is the steps of promoting your USP.
1. Get more prospects using USP: In your existing advertisement channel like Yellow pages, PPC, banner ads or facebook ads, put your USP in the advertisment. Rather than doing “putting your name out there” advertisment, give a reason to customer on why should they buy from you. You can say something like: “Providing the most variety of jewelry collection in town”, “Guarantee satisfied hair cut in 15 mins for only $7.”.
2. Train your sales people: you can ask your sales people what is your company’s USP and listen to their answer. Their answers may surprise you! Usually the top sales in the company got the USP right (it is also the reason why he/she is top sales!). Therefore you can optimize your sales force by telling them to sell your company products and service with your USP. Given the USP is in every sales pitch presented from your sales, you may easily get 5% – 10% increase in sales by converting more prospects to customer.
By the way, to make sure that your sales are doing the work, setting up tracking and rewarding program to see improvements before and after applying USP.
3. Get your existing customer to buy more from you: Packaging your existing products and services to make it unique across the industry is another way to generate more sales. While you create that packages, it is another USP of you and you simply up-sell them to this package. Provided that your offer is valuable enough according to your customer’s perspective, you will get more sales from existing customers.
4. Referral: If you are doing a good job in integrating USP, you can go one step further by providing another bonus or value added service to your existing customers if they get 3 people to join your list. Since you are providing value to your customer, they will be happy to promote you in return, and you will get viral effect for your business, simply by creating and integrating your USP!
To conclude, you need to put your USP out of your brain and have it in everywhere of your business. Both your advertisment and your sales people should know your USP is and presenting them clearly. Integrating USP can increase your conversion rate of your business and hence get more sales and make more money from it.

Simple Ways You Can Reduce Waste At Your Business

Everyone has seen the alarming pictures of landfills full of waste that will likely never degrade into organic materials. Plastic, aluminum, and heavy metals are all being used in record amounts. These take thousands of years to break down into components that take less space and aren’t harmful for plants and animals in the immediate vicinity. Largely after the 1980s, people began to become more aware of the potential damages using these types of materials en mass could cause. The 3 Rs–reduce, reuse, and recycle–can help the planet develop less of a waste problem. Businesses, more than individual households, use lots of plastics and metals in their day-to-day operation. If you own a business or are in upper management, making some small changes and encouraging employees to do the same can have a profound impact on the world and future. This article will tell you how you can reduce container waste and how refilling plastic components of appliances with ink and toners can prevent the destruction of the environment.
Reducing the Use of Plastic Utensils and Paper Plates
Businesses often provide paper plates and cups, as well as plastic forks and other utensils, for their employees. This service helps when an employee has an anniversary at the company or a birthday. If conferences and trainings within the business frequently feature catered meals or snacks, having these on hand might be essential for the correct functioning of day-to-day activities essential for the company to run smoothly. However, these can pile up in landfills and might not be recycled correctly if employees are left to their own devices. There are a couple of ways to reduce the use of these and encourage recycling in the workplace.
First, if employees are given spaces to store their mugs, they won’t use disposable cups every day for their coffee. If you think about the number of employees across the world that depend on coffee to get up and function, the thought of the coffee cups is overwhelming. Washing out ceramic mugs will save all this waste. Putting paper and plastic recycling bins in the break rooms and other areas where food is often consumed will greatly increase the number of employees that recycle any disposable utensils that are used.
Paper Print Jobs
Rejected print jobs are another site of waste within companies. Often people will print more pages than they need. This paper adds up very quickly. Placing clearly marked recycling bins near any printers in the office will ensure that paper is recycled instead of being disposed of. Although paper does degrade over time, using less of paper resources will put less stress on the logging operations that clear forests.
Providing Receptacles for Batteries and Other Electronics
Many companies will recycle electronics and batteries for their employees. If your company is not one of these, you may be able to partner with another to ensure that your employees can properly dispose of any batteries needed for work or even ones that they’ve used at home. Batteries and electronics have elements that are toxic for the environment. Recycling them is essential for keeping the world unpolluted.
Toner and Ink Refills
This is a way to benefit the environment that saves businesses lots of money. Instead of buying new ink cartridges and tossing out the old, which are made out of non-biodegradable plastic, you can get them refilled. Ink and toners are essential for almost every business out there. No matter which type of printer you use, laser or another type, you will need to replace cartridges to keep it in working order. Helping the environment and choosing the cheaper option will help everyone in the long run.

Is It Better To Buy Or Lease Commercial Space For My Business

Your business location should be tailor-made to fit with your company budget, spacing requirements and ease of operation. For some business owners, leasing affords a sense of freedom and relieves the financial burden of a down payment, yet may be too restrictive for some kinds of operations. The decision to buy a piece of commercial property offers its own set of risks and rewards, and should be considered carefully before entering into a mortgage contract.
Leasing Commercial Space
1. Cost Effective
Leasing a commercial space will usually require a one to two month move-in deposit, making the rental space a cost efficient way to do business. New business owners may be strapped for cash, and by leasing, rather than purchasing, your storefront or office is cost effective to set up shop with minimal funding.
2. Flexibility
Leasing a commercial space gives the entrepreneur plenty of room to grow, downsize or change locations. Although once you sign a lease, you are locked into a fixed amount of time to make the lease payments, the terms may be only a matter of months to be released and start over in another location.
3. Freedom
Setting up shop without the burden of a mortgage to pay allows a sense of financial freedom. Albeit, a purchased piece of commercial property could be leased or sold to another, there could be months before the owner receives any income from the property. A hefty mortgage may also interfere with business profits and may demand downsizing of personnel.
4. Maintenance
A leased office or shop has a landlord to lean on, taking away tedious responsibilities with the plumbing, electricity and security. In a leasing situation, any repairs or legal liabilities are left in the hands of the building management team.
5. Subletting
In some situations, you may sublet your leased office space to another. However, this must be cleared in writing from the management office, and careful attention given to their rules and regulations for renting out the space.
Buying Commercial Space
1. Secured Location
Buying a piece of commercial property adds assurance that the space is secured and cannot be given to someone else. In a leasing situation, when the lease expires, the renewal process may not have the same initial terms, thus proving unfavorable to renew. However, when you purchase, your prime location is secured.
2. Equity
As with a residential piece of property, a commercial owner may take out cash against the mortgage. In an emergency financial crisis, having a mortgage to borrow from lends a sense of security and provision of funds. Most commercial purchases will require 20 to 25 percent down on the purchase price, giving instant equity to the business owner.
3. Remodeling
When you have bought a property, it is your to do with as you wish. Remolding, expansion and reconfiguration are yours for the taking. The ownership allows the business structure to be molded around the enterprise for a perfect fit and usage of space.
4. Tax Deductions
The interest on a commercial loan is tax deductible, with allowances for deducting any depreciation.
5. Lease Your Excess Space
If you own the property, you may lease your excess space without any restrictions from a third party over your head.

Learn How Make Your Trevo Corporate Business Grow

Trevo Corporate History
Trevo is a Network Marketing Company that was started by Mark and Hollie Stevens who are very well experienced in the MLM Industry and their headquarters is located in Oklahoma City. But if you are in Trevo Corporate you may be asking yourself if its an excellent way to make money or not?
The Trevo Corporate Product
Well first of all the companys main objective is to be able to revive the body into good health by offering a nutritional product or beverage that contains tons of nutritional supplements such as camu camu berry, acai berry, mangosteen, maqui berries, goji berries I mean I could go on and on.
These products are also good for losing weight, having more energy, reversing the aging process while building up your immune system. This nutritional drink is about 32 oz in size and you only take need 1 to 2 ounces daily. Another good thing about it is even safe for kids to take it.
Trevo Corporate Compensation Plan
Lets talk about the compensation plan for a minute. It seems to be pretty interesting because you can earn income from others who join the business opportunity.
Trevo has 8 different ways you earn money with them:
1. Retail Sales- You can purchase products at wholesale price and resale them at retail price. They also have a Preferred Customers Program that you can enroll in and earn bonuses from it.
2. Power Start Business System  Every time you personal enroll a Life and Health Coach with the purchase of one of their Power Start Business Systems, you get paid based on your qualification and the system your enrollee purchased.
You also gain access to Trevos back office system along with a lead capture system, email campaign and a personal website. Depending on your qualifying level and the system of enrollee purchases the commission is 40%.
3. Matching Bonus- As your team duplicates the matching bonus is 20%.
4. Group Volume Commissions- Depending on your qualifying points earn Group Volume commissions $10 for the first and second generations of your group. $5 for third through eigth.
5. Bulk Pack Commission- First through fourth generation receives commission up to $183.
6. Pool Bonus- Up to 15% paid out to of companys group volume.
7. Leadership Bonues and Incentives- Earn up to $1,500 monthly for a luxury vehicle as well as trips.
8. Charity Bonus- Charity donations
I personally am not in the Trevo Corporate Business Opportunity but it seems like they are a really good company to work for. I am going to share some secrets with you just in case you are one of the many trying to figure out how to seriously grow your business.
Most MLM Companies focus on sponsoring and recruiting a ton of reps. Their aim is on telling people to be duplicatable by getting out here and recruiting family members and friends while standing around talking to people.
The problem is most of the time family and friends are the ones that arent really interested in your business anyway.
Which is the main reason why 97% of distributors are falling in this industry.
Secret To Trevo Corporate Sucess
If you are an independent distributor for this company then the secret to being successful is learning how to market and generate leads for your business. Personally this company wont teach you how to do this because marketing isnt duplicatable. Especially when the companys main goal is on recruiting tons of people as fast as they can.
One of the main reasons you need to learn how to market is because you may have a hard time trying to persuade people into buying your products if you are unaware of what you are doing.

Business Opportunity Investment And Business Loan Finance

Buying a business opportunity is likely to be an extremely challenging task when arranging the business loan. This is largely due to the usual lack of commercial property as collateral for the business financing to buy a business opportunity. When buying a business that does not include commercial real estate, business borrowers need to realize that business loan options will be greatly reduced in comparison to a business purchase that can be financed with a commercial mortgage.
The suggestions and advice in this commentary build upon commercial loan covenants that are commonly provided by commercial lenders willing to offer commercial financing throughout much of the United States for buying a business opportunity. There will often be various private financing scenarios in which the seller might be willing to wholly finance a business opportunity acquisition, and we will not attempt to discuss those commercial loan possibilities in this commentary.
Length of Business Loan to Expect When Buying a Business Opportunity
When purchasing a business opportunity, commercial loan terms will almost always include a reduced amortization period in comparison to a commercial real estate loan. A business loan term of ten years is normal, and that length of loan is likely to be tied to a requirement that the commercial lease will not expire before the loan matures.
Likely Business Loan Interest Rates to Buy a Business Opportunity
The likely range to buy a business opportunity is 11 to 12 percent in the present commercial loan interest rate circumstances. This is a reasonable level for business opportunity borrowing since it is not unusual for a commercial real estate loan to be in the 10-11 percent area. Because of the lack of commercial property for lender collateral in a small business opportunity transaction, the cost of a business loan to acquire a business is routinely higher than the cost of a commercial property loan.
Business Loan Down Payment Requirements for Buying a Business Opportunity
Although there will be variations based on the type of business and several other factors, a common down payment requirement for a commercial loan to buy a small business opportunity is 20-25 percent. The presence of seller financing might lessen the down payment needed to acquire a small business opportunity.
Buying a Business Opportunity – Business Loan Refinancing Options
A related business loan issue to anticipate when buying a business is that refinancing the business opportunity loan terms will normally be even more difficult than the original business financing. There are currently some new business loan programs in the final stages of development that could dramatically improve future refinancing options. But until these new business financing options are finalized, it is important to arrange the best possible terms initially and not depend upon refinancing possibilities.
Avoiding Problem Lenders When Buying a Business Opportunity
The selection of a commercial lender might be the most important phase of the business financing process for buying a business. An equally important task is avoiding lenders that are unable to finalize a commercial loan for buying a business.
By avoiding such lenders, commercial borrowers are likely to avoid many other business financing problems frequently associated with buying a business opportunity. Avoiding problem lenders will be instrumental to the eventual success of both the business loan process and the long-term financial health of the business being acquired.

Growing Profitable Plants – A Perfect Home-based Business For Gardeners

Many stay-at-home moms love spending time in their garden. Watching plants sprout and grow can be so rewarding. But many people do don’t realize you can make a great income growing plants, averaging as much as $ 20 to $ 30 an hour. Yes, you really can. It’s all possible by growing plants for profit. It’s simply a perfect business for anyone who wants to work at home. Here’s why:
Many stay-at home moms love what they do, but would still like to make some extra cash. The big question is, how to do that when you have so many responsibilities at home? You need freedom to pick up the kids from school, to run errands and so on. So what business could give you that, plus make you good money? That’s easy, growing profitable plants. Growing plants does doesn’t require a full-time commitment. You can work plant care into your daily schedule, doing it whenever you’re able.
First, you pick the plants you want to grow. Visit local nurseries to see what plants are popular.. Do you have favorites – succulents or ground covers, for example? See if the nurseries are stocking lots of your favorites, as that’s a good clue about their popularity. Talk to local landscapers to find out what their favorite varieties are. Next, get planting! Make sure you have a suitable potting soil mix, plant labels so you can tell which plant is which, slow-release fertilizer (also known as time-release fertilizer) to give your plants healthy nutrients on a slow basis, and a good number of the right size containers to put your plants in. Thrifty growers can often get free containers from local landscapers, who would rather recycle them than haul them to the dump.
When you’re ready to sell your plants, you have lots of ways to market your plants. Here are some popular choices:
Farmers’ markets continue to be popular events drawing big crowds eager to buy high quality plants from local growers.
Fundraisers are a way to bring positive attention to your business. Donate some of your profits to a good cause or charity, and it can benefit the charity or cause and still give you a tidy profit. People are usually more willing to spend money on good products if they know some of the profits are going towards a good cause.
Selling directly to landscapers is a way to make big profits and have steady repeat business. If you can supply landscapers with what they’re looking for at reasonable prices, they’ll be calling you a lot.
These are just three of several ways to make good money growing for market. And get this, it’s the perfect activity to do with your kids and other family members. For one, it can keep your kids involved and close to you. Instead of playing video games, your kids can learn the process of growing plants and how to take care of a living thing. It’s an on-going education in life for everyone.
If you’re a stay-at-home mom that wants to start a rewarding business that you can do on your time, then you should consider starting a backyard plant nursery. Soon you can be growing plants for profit. To learn more, read How to Start a Profitable Backyard Plant Nursery, available at profitableplants.com. There, you can also sign up for a free mini-course, 8 Most Profitable Plants to Grow.

What Does Your Business Card Say About Your Business

Business cards are used to promote you as well as your business. Business cards are one of your most powerful tools when it comes to promotion. Your contact information is on the business card making it easily distributed and easily accessible to clients and potential clients. If you take your time and be creative when you are designing your business cards they can be a more effective promotional tool.
Attractive design dresses up your business cards. It is important to remember to use a font that is easily read. You should also provide multiple ways for people to contact you. All of these factors are important, but the copy on your business card has the ability to really grab the attention of prospective clients. Well written business card copy can make the card more effective.
Business card copy is one of the most overlooked and misunderstood tools in business promotion. Most everyone remembers to add their business name as well as their name, title, business address, and phone number some even remember their email address. All of these things are important for your clients to be able to contact you. You can utilize your business cards to add incentive for your clients to contact you.
Company slogans are used in advertising, these slogans stick in their customer’s minds. A catchy and creative tagline on a business card can do the same thing. Space is limited on business cards so tag lines need to be fairly short. You can use word play or rhyme to create a memorable tagline. Action words that highlight the benefits of your products and services can help increase the effectiveness of your tagline.
Putting your website’s address on your business card gives clients a way to learn more about your business. You can also list a couple of your helpful features that your website has on your business card. For example you could include, “Free templates available for your use at http://www.yourwebsitesname.com”. This provides incentive to go to your webpage to see what your business is all about.
Advertising ongoing promotions and sales can be done with business cards as well. If you offer discounts or customer referral programs mentioning it on your business card can increase awareness. If your business makes sales online may also want to think about adding online coupon codes on your business cards. Having your clients pass out business cards to friends and family can also be a great way to generate business. You can leave a stack in the salon or with your hair dresser for them to pass on to clients too.
The back of your business card can be utilized as well. You can use it to print coupons or to list your products and services. Witty quotes or testimonials can also be placed on the back of your business card. Putting a schedule or a checklist on the card can transform it into a valuable tool for your clients giving them incentive to hang on to the card. The possibilities of what the back of the card can contain is limited only by your imagination. If you are adding value for your customer and it fits neatly on the back of your business card go for it.
Your business card copy is important. Good business card copy will increase the chances your card won’t end up in the trash as soon as you are out of sight. Make the most of the space provided, give good contact information, and give your clients a reason to look you up.

Outsourcing of Business Software Solutions

In recent years, outsourcing of business software solutions has gained much importance. Whether it is a small business set up or a huge business corporation, the economic as well as competitive pressures involved in today’s dynamic business environment has made it imperative for the business firms of all sizes to concentrate on their core business competencies.
Nowadays, a variety of packaged software solutions are readily available in the market. But, the requirements of the business firms vary according to the nature of the business, which in turn reflect the business software. Here comes the importance of outsourcing of business software solutions.
Outsourcing of business software simply refers to the practice in which companies hand over their business software needs to a third party professional or an IT consulting firm, which is mostly located in an offshore location. However, outsourcing not just means offshore. Nowadays, near shore outsourcing is also available. Business software outsourcing is an excellent alternative for those business organizations looking for cost-efficiency and competitiveness.
Benefits derived from business software outsourcing are endless. A key benefit of this process is that it provides access to talented as well as experienced team. Another prime benefit is that outsourcing provides access to most sophisticated technology. Technology is now changing at lightening speed, which in turn has made difficult for most of the companies to remain current with the latest technological trends.
Since outsourcing firms and experts keep abreast with the latest technology and trends in software development, it enables the companies to acquire the best in the industry. Outsourcing benefits also include considerable reduction in HR cost. It would be a chaotic as well as expensive procedure to hire an expert for the development of business software. But, through outsourcing, HR expenses are limited to the duration of a particular project.
Other absolute advantages of outsourcing are controlled project expenses, enhanced capabilities for project management, improved efficiency in allocation of works to in-house staff, and timely completion and implementation of the project. Above all, the fee or remuneration charged by these outsourcing firms is exceptionally low. All these have contributed for the increased demand for contracting of software development to third party firms.
However, through the outsourcing of business software solutions, not only companies are benefited but also the outsourcing firms. As business outsourcing works are mostly handed over to third world nations, it provides employment opportunities to a large number of people.
Among the leading destinations where most of the business software works are outsourced are New Zealand, Romania, China, India, and some of the eastern European nations. East Asian nations have also now become one of the hot beds for outsourcing business software solutions. Many of these nations boast of a larger English speaking population.
Business software is simply a set of software programs that have been developed to enhance as well as measure the productivity of a business firm. The works in connection with outsourcing of business software solutions include a full range of services, from rendering a single point of accountability to support speedy return on low cost of ownership. Mostly, the services offered with regard to development of business software cover analysis of nature and requirements of your business, business consulting, software development, and maintenance as well as testing of software applications.
On the basis of the requirements of the firm, business software services are categorized as per the size of the business firms, such as, small, medium, and large matrix. In the case of small business set ups, business software may be usually in the form of accounting software.
Business software for medium size business units primarily include a broad range of software applications such as accounting software, HR software, shopping cart software, and groupware software applications. When comes to large matrix firms, it mostly cover software applications for business firms demanding high technological expertise in the arenas of business resource planning, business content management, business process management, and management of product lifecycle.
Today, there is a plethora of outsourcing firms, both offshore and near shore firms, to render bespoke solutions for the development of business software. Many of the IT consulting firms maintain a section exclusively to cater to the requirements of outsourced business software works. Majority of these firms also provide services for the maintenance of software after its completion as well as implementation. Some of them even provide this service absolutely for free. No matter if you are urgently in need of some kind of software for your business needs, there are certain firms which can customize packaged software according to your specifications.

Stop Bleeding Your Business's Precious Resources – Financial

Many small businesses hemorrhage money – often by not spending it. It can be seductive to start spending business management money. The scam and con artists know that many new business owners have a few thousand dollars to invest. They create large websites, impressive looking campaigns, and other ‘tools’ to help them separate small business owners from their investment capital.
There are hundreds of stories where a small business owners paid for SEO optimized websites and shopping carts, or had a media company make them a professional looking front page, or maybe they spent thousands of dollars to bring traffic to their site. None of this generated any sales.
Yes, these things are valuable, but they are a waste of the businesses resources.
Revenue Generating
When a business starts out, every dollar spent should expect a return. A desk is an office expense, but it will not return any revenue. It is vitally important to make sure that every dollar spent is capable of generating revenue.
Getting traffic to a website does not generate revenue. One million visitors to your site will not generate wealth. However, hiring a forum poster to create a reputable image and build a buzz, without actually selling, may bring in 1000 visitors, producing 100 sales. Difference? One is spam generated, the second is target market focused.
Take link building. Thousands of small business owners will spend $1000 to have a web site optimized. A Search Engine Optimized (SEO) website will not generate revenue. It is like putting an ad in the newspaper, or handing out business cards. This will not increase traffic. There is no ‘Return On Investment’ value. But, these same companies will not invest in a forum where potential clients can have their concerns addressed, receive insightful answers to questions, and learn about unexpected benefits available in the product for sale.
Capital vs Money
Businesses also need to learn how to differentiate between capital and cash on hand. A business owner may spend more than six months building a web portal/community, while making minimum sales. However, they now have a platform worth $10 000. This Capital may not pay the expenses, but it is valuable. It can be used to obtain a business loan, magnetize Joint Venture partners, attract advertisers, and create bartering possibilities.
Capital building does not last forever. Once the platforms are in place, the business owner can focus on marketing and start promoting their platforms – attracting a target market – increasing the revenue generating possibilities.
Making Sales vs. Generating Profits
Another confusing aspect of business management is the difference between making a sale and generating revenue. There are three parts of a business’s development. The first part is where sales do not cover the expenses. The business manager must invest their own money to keep the business afloat. The second is where the business generates excessive money, but the business owner can only withdraw those funds at the peril of the business. The third is where the business is generating a profit, and the business owner can withdraw the money without worrying about damaging the business.
Too many small business owners start drawing money from their business because there are no current expenses to pay. However, they forget that the company needs marketing and promotion money, so in effect, the business owner is withdrawing money from the advertising budget.
A good three month budget, and a marketing plan will help business owners stop the gaps and prevent wasting their valuable resources.