Food Distribution Companies Use Accounts Receivable Financing

Every area of the world has been affected by the latest recession. All companies have reduced Working Capital and are forced to do more with less. While this will make the surviving companies stronger, it will also make them wiser. There have been many companies move away from a traditional bank loan for their operations Cash Flow needs because taking on more debt is not the best idea in to many business owners.Recently a Pennsylvania USA Distribution Company was blessed by winning a major contract with a National Food store chain. Problem was, the terms to the account meant that they would have to pay their suppliers before they received payment from their new customer. Accounts Receivable Financing was an excellent alternative for this company.This is becoming more and more common in every industry in that the great news of winning a new customer is soured by the fact that you do not have the Working Capital to process the orders.Accounts Receivable Financing is the ideal Commercial Financing vehicle for this issue. When your Commercial Finance Broker sets up an Accounts Receivable Financing facility for your company you will be able to take advances on your new invoices within 24 to 48 hours of you creating a new invoice. These advances can be used to pay what ever your business needs to pay – rent, suppliers, payroll, and taxeswhatever you choose.Over the years, many people considered that Accounts Receivable Financing was only for companies that were in financial trouble. Although this may be the case sometimes, it is more often used for businesses that have outgrown their bank line or just simply have a need for more Cashflow due to increased sales and timing issues between suppliers and customers. As in the example above, when you have to pay for supplies before you can collect from your customers, you need to increase your cashflow. Accounts Receivable Financing can do this.If you take a good look at companies that do not need Working Capital funding, they are generally businesses that are not growing, and even worse, declining sales. Accounts Receivable Financing are not needed by these companies because they are entrenched in a grove that they are meeting all their Cash Flow requirements because they are either a cash only business or they have their inflow of Accounts Receivables before their suppliers expect payment.Being fortunate enough to have your payments come in before your payables are due is a very rare situation. Does your company operate that way? Most do not. For everyone that does not fit into that situation should speak to your Commercial Finance Broker to see what Working Capital options are available for you and perhaps Accounts Receivable Financing is the answer for you.

Online Education Graduate Degree

Statistics from the U.S. Census Bureau reveal that a person who holds a graduate or master’s degree can expect to earn about $55,000 per year. People holding a bachelor’s degree can expect to earn around $46,000 per year. The average benefit for holding a graduate degree can raise a person’s income about $225,000 over a period of 25 years. This rate of return clearly shows that it is a solid investment to pursue a online graduate degree. Online education graduate degrees enable busy adults to attain a higher education while still maintaining employment to earn a living.Requirements to Pursue an Online Education Graduate Degree – To earn a graduate degree online, students need to be well-organized self starters who can manage their time and review course material independently. Online students also need full access to a computer with a 56 kbps modem or better, with Internet service and virus protection. Students attending school online should be able to use email and basic Internet functions to communicate with professors and take online exams. Online education graduate degree programs are delivered in a web-based format that is available 24 hours a day for the convenience of working students seeking success.Validity of Online Education. In the 1994 study of R. Clark, and in the Pew Learning and Technology Study ‘Innovations in Online Learning’ by Carol Twigg in 2001, they concluded that if the online course was designed with the same rigor as one taught in a face-to-face environment, the outcome is likely to be equivalent. Further, the standards for undergraduate education are defined by the Seven Principles developed by Chickering & Gamson (1991). These seven principles were updated to show how to implement these ideals in online education (Chickering & Ehrmann; Graham, et al. 2001). In 2002, the Ohio Learning Task Force issued a report that recommended principles derived from Chickering & Gamson were to be used to design, approve, assess and review all courses, whether in person, or online, or a blend of both. The Seven Principles a) encourage contact between students and faculty; b) encourage active learning; c) encourage cooperation between students; d) give feedback promptly; e) communicates high expectations; f) emphasizes time on task; and g) respects diverse ways of learning and talents. Therefore, online education graduate degrees follow the same criteria as those earned at a physical college campus, so they are equally viable.Cost of Online Education. Getting an online education graduate degree can be more affordable than attending a physical college campus because there are no costs for transportation or housing. In 2004, an online resource site took a sample size of 120 online master’s degree programs and found that the cost for education could range from $2,760 to $110,000 for an accredited degree. However, graduate degree students can explore several options for tuition assistance, including:Tuition Reimbursement. The National Center for Education Statistics found that almost 20 percent of all graduate students receive aid from their employers. Potential online education graduate degree students should consult with the human resources director of their company about tuition reimbursement programs and company scholarships they may qualify for.Labor Unions. Over 60 labor unions, through 38,000 national chapters, offer $4 million dollars in educational financial aid. If a student belongs to a union, the web site at http://www.aflcio.org can offer leads to Union-Sponsored Scholarships and Financial Aid.Financial Aid. There is even state and government financial aid available for certain distance learning programs. The free government aid directory at http://www.ed.gov/programs can help students locate resource centers in their state and offer information about financial assistance to pay for college.Loans. There are government-backed Stafford student loans that typically carry the lowest interest rate. For example, the interest rate for a Stafford education loan in 2003 was only 3.42 percent. Students seeking Stafford loans should consult the free annual publication, the Student Guide to Financial Aid. Private student loans are also offered through finance companies such as KeyBank or Citibank, but they usually charge higher interest rates and require students to pass a credit check.Tax benefits. There are also significant tax benefits available to online education graduate degree program students. Interest on student loans may be tax deductible during the first 60 months of the period to pay them back. Eligibility for this tax benefit can be determined by checking the IRS Publication 970: Tax Credits for Higher Education. Further, under the Lifetime Learning Credit, students may be eligible to deduct up to 20 percent of the first $10,000 of graduate tuition from federal taxes. Also, some or all tuition expenses may be deducted if an employer requires additional education to maintain the student’s current professional status. Students can review IRS Publication 970 for guidelines, or consult with an accountant to see what portion of tuition for college can be deducted from their taxes.When a potential student considers the ease of earning an online education graduate degree, along with the improved financial status as a result of attaining this degree, it is clearly a wise decision to pursue virtual learning.

6 Ways Technology is Changing the Way We Communicate

Technology has drastically changed the way we communicate with each other. In just a few short years, we’ve gone from sending handwritten letters to communicating instantly with anyone in the world via text, email, and social media. Here are six ways technology is continuing to change the way we communicate.

Technology has drastically changed the way we communicate with each other. In just a few short years,Guest Posting we’ve gone from sending handwritten letters to communicating instantly with anyone in the world via text, email, and social media. Here are six ways technology is continuing to change the way we communicate.

Were Communicating More Often, But in Shorter Bursts
Thanks to the popularity of messaging apps like WhatsApp, Facebook Messenger, and iMessage, we’re now used to being able to contact anyone we want at any time of day. And because we can contact someone instantly, we tend to communicate in shorter bursts than we would if we were sending an email or letter.

This change has been most noticeable in the way young people communicate; they’re much more likely to send a quick “text speak” message than write out long sentences or phrases.

Bots and AI-powered Assistants are Becoming our New Best Friends
As artificial intelligence gets better at understanding human communication, we’re starting to see more and more AI-powered chatbots and assistants enter the market.

These days, we can talk to our bank’s chatbot about our account balance, ask Alexa for the weather forecast, or chat with a salesperson on a website powered by artificial intelligence. And as AI continues to get better at understanding human communication, these sorts of interactions are only going to become more common.

NBN and Fixed Wireless Internet Help Us Stay Connected
In today’s always-on world, it’s more important than ever to be able to stay connected. Whether a person is working from home or keeping in touch with family and friends overseas, NBN and fixed wireless internet from providers like Swoop help them stay connected when it matters most. With super-fast speeds and super-reliable connections, people can do more of what they love without worrying about being disconnected.

Visuals are Becoming Increasingly Important in our Communications
With the rise of visual social media platforms like Snapchat and Instagram, it’s clear that people are now interested in consuming information that is presented in a visually appealing way. And as we continue to consume more and more visual content online, businesses are going to have to adapt their communications accordingly by incorporating more visuals into their marketing materials, website content, and much more.

We’re Becoming More Open to Communicating with Strangers (at least online)
The rise of social media has made it easier than ever before to connect with people from all over the world who share similar interests. And as online communication becomes more commonplace, we’re becoming less hesitant to reach out and connect with others online (even if we’ve never met them in person).

We Expect Faster Responses to our Communications
With instant messaging apps being so popular these days, we’ve become used to getting near-instant responses to our messages (within seconds or minutes). But when it comes to other forms of communication like email or even phone calls, our expectations haven’t changed all that much; we still expect a reasonably quick response even though it might take hours or even days for someone to get back to us.