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var v8a7caa111a3f8801011a74ccd8af0af0_titles = {"visibleOpening":"<div id='zw_titles_8a7caa111a3f8801011a74ccd8af0af0'>","visibleClosing":"<\/div>","hiddenOpening":"<div id='zw_titles_8a7caa111a3f8801011a74ccd8af0af0' style='display:none'>","hiddenClosing":"<\/div>","contents":"<div id='zwTitle'>Inaspan - SSAN News<span class='zwClear' ><\/span><\/div><div><ul class='zwContent'><li id='zw_0_li'><div class='zwContentTitle' id='zw_0_title'><a href='http://www.coloradoan.com/article/20090330/BUSINESS/903300306' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01205da502b82ce1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.coloradoan.com&#037;2Farticle&#037;2F20090330&#037;2FBUSINESS&#037;2F903300306&#039;);try{zwShowDetails('8a7c9fef203b2b3c01205da502b82ce1','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>Owner of painting business focuses on customers, team members<\/a><\/div><div class='zwContentExtra' id='extra_0'><\/div><div class='zwContentText' id='zw_0'>Question: How did M&amp;E Painting come into being?   Answer: We founded M&amp;E Painting LLC in 2004. My past experience in and knowledge of the painting industry combined with my dissatisfaction for the corporate world led me to decide to go ...<span class='zwTextReadMore'><a href='http://www.coloradoan.com/article/20090330/BUSINESS/903300306' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01205da502b82ce1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.coloradoan.com&#037;2Farticle&#037;2F20090330&#037;2FBUSINESS&#037;2F903300306&#039;);try{zwShowDetails('8a7c9fef203b2b3c01205da502b82ce1','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>[read more]<\/a><\/span><\/div><\/li><li id='zw_1_li'><div class='zwContentTitle' id='zw_1_title'><div title=\"header=[&lt;b&gt;&lt;i&gt;Editor Comment:&lt;/i&gt;&lt;/b&gt; syndicated ] cssheader=[xi_clip_comment_tt] body=[] cssbody=[hidden]\"><a href='http://thebulletin.us/articles/2009/03/27/business/columns/marc_kramer/doc49cc5ec757781511681871.txt' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01204910ec43170c&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fthebulletin.us&#037;2Farticles&#037;2F2009&#037;2F03&#037;2F27&#037;2Fbusiness&#037;2Fcolumns&#037;2Fmarc_kramer&#037;2Fdoc49cc5ec757781511681871.txt&#039;);try{zwShowDetails('8a7c9fef203b2b3c01204910ec43170c','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>Twenty Tools To Start A Consulting Practice<\/a><\/div><\/div><div class='zwContentExtra' id='extra_1'><\/div><div class='zwContentText' id='zw_1'>With companies pushing their employees off the plank into the sea of \r\nfinancial and professional uncertainty, one of the best options to take control \r\nof one&#039;s career is to start a consulting practice.  Starting a consulting \r\npractice is ...<span class='zwTextReadMore'><a href='http://thebulletin.us/articles/2009/03/27/business/columns/marc_kramer/doc49cc5ec757781511681871.txt' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01204910ec43170c&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fthebulletin.us&#037;2Farticles&#037;2F2009&#037;2F03&#037;2F27&#037;2Fbusiness&#037;2Fcolumns&#037;2Fmarc_kramer&#037;2Fdoc49cc5ec757781511681871.txt&#039;);try{zwShowDetails('8a7c9fef203b2b3c01204910ec43170c','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>[read more]<\/a><\/span><\/div><\/li><li id='zw_2_li'><div class='zwContentTitle' id='zw_2_title'><div title=\"header=[&lt;b&gt;&lt;i&gt;Editor Comment:&lt;/i&gt;&lt;/b&gt; more coverage resulting from our work with Wayne Rivers on last year&#039;s Family Owned and Operated Initiative ] cssheader=[xi_clip_comment_tt] body=[] cssbody=[hidden]\"><a href='http://www.cnbc.com/id/29879913' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);try{zwShowDetails('8a7c9fef203b2b3c0120490c607416e7','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>What Do Family Businesses Want from Obama&#039;s Administration?<\/a><\/div><\/div><div class='zwContentExtra' id='extra_2'><\/div><div class='zwContentText' id='zw_2'>Today&#039;s Guest Blog is written by Wayne Rivers author \r\nof &quot;The Top Nine Reasons Family Businesses Fail And The Eight Building Blocks \r\nFor Creating A SUSTAINABLE Closely Held Company.&quot; The Obama administration&#039;s \r\neconomic ...<span class='zwTextReadMore'><a href='http://www.cnbc.com/id/29879913' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);try{zwShowDetails('8a7c9fef203b2b3c0120490c607416e7','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>[read more]<\/a><\/span><\/div><\/li><li id='zw_3_li'><div class='zwContentTitle' id='zw_3_title'><a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);try{zwShowDetails('8a7c9fef203b2b3c0120490e2a9b16f1','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>Managing accounts receivable<\/a><\/div><div class='zwContentExtra' id='extra_3'><\/div><div class='zwContentText' id='zw_3'>In my last article we briefly described cash flow. Receivables are a vital part of your company&#039;s cash flow. Without cash flow small businesses tend to borrow more money so that they can meet working capital needs. However, eventually this ...<span class='zwTextReadMore'><a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);try{zwShowDetails('8a7c9fef203b2b3c0120490e2a9b16f1','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>[read more]<\/a><\/span><\/div><\/li><li id='zw_4_li'><div class='zwContentTitle' id='zw_4_title'><a href='http://www.mainstreet.com/article/small-business/launching/20-essential-tools-new-consultant?page=2' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01203f3379f7063d&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.mainstreet.com&#037;2Farticle&#037;2Fsmall-business&#037;2Flaunching&#037;2F20-essential-tools-new-consultant&#037;3Fpage&#037;3D2&#039;);try{zwShowDetails('8a7c9fef203b2b3c01203f3379f7063d','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>20 Essential Tools for the New Consultant <\/a><\/div><div class='zwContentExtra' id='extra_4'><\/div><div class='zwContentText' id='zw_4'>With companies pushing their employees off the plank into the sea of financial and professional uncertainty, one of the best options to take control of one&#039;s career is to start a consulting practice. A consulting practice is a good way to ...<span class='zwTextReadMore'><a href='http://www.mainstreet.com/article/small-business/launching/20-essential-tools-new-consultant?page=2' onclick=\"zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01203f3379f7063d&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.mainstreet.com&#037;2Farticle&#037;2Fsmall-business&#037;2Flaunching&#037;2F20-essential-tools-new-consultant&#037;3Fpage&#037;3D2&#039;);try{zwShowDetails('8a7c9fef203b2b3c01203f3379f7063d','8a7caa111a3f8801011a74ccd8af0af0')}catch(err){};return false;\" target='_blank'>[read more]<\/a><\/span><\/div><\/li><li id='zwContentFoot' style='clear:both'><a href='http%3A%2F%2Fsage.ziftsolutions.com%2Fchannel%2F8a7caa111a3f8801011a74c645c70aba' onclick='zwOpenLiteReader8a7caa111a3f8801011a74ccd8af0af0(\"http%3A%2F%2Fsage.ziftsolutions.com%2Fchannel%2F8a7caa111a3f8801011a74c645c70aba\",\"http%3A%2F%2Fsage.ziftsolutions.com%2Fchannel%2F8a7caa111a3f8801011a74c645c70aba\");return false;' target='_blank'>More Articles...<\/a><\/li><\/ul><\/div>"};
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My past experience in and knowledge of the painting industry combined with my dissatisfaction for the corporate world led me to decide to go into business on my own. We started the business with only &#036;100 in our operating account and grew from there.<\/div> <\/div><p><b>Q: You started M&amp;E shortly after you graduated from CSU. What gave you the confidence to start your own business so young? <\/b><\/p><p><b>A:<\/b> I graduated CSU spring semester of 2003 and worked in the mortgage industry. I have always had the desire to run my own business, and growing up, would mow lawns in the summer and shovel snow in the winter. I would take that money and invest in buying candy in bulk and selling it to classmates in middle school.<\/p><p>From a young age, I have been interested in and understood business, sales and marketing principles. My past experience working in the painting industry gave me an inside look into how the business operates. My confidence came from the idea that if you are fair, honest and up front with your customers, team members and vendors and you take care of them like you would want to be treated, that the company would grow and be successful. I also had no option of failure; I was doing this to support my family and had to make it work.<\/p><\/div><\/div><\/div><span class='zwTextReadMore'><a href='http://www.coloradoan.com/article/20090330/BUSINESS/903300306' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01205da502b82ce1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.coloradoan.com&#037;2Farticle&#037;2F20090330&#037;2FBUSINESS&#037;2F903300306&#039;);' target='_blank' >[Read Full Article]<\/a><\/span><\/span><\/div><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; Previous Article&nbsp;|&nbsp;<a href='http://thebulletin.us/articles/2009/03/27/business/columns/marc_kramer/doc49cc5ec757781511681871.txt' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01204910ec43170c&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fthebulletin.us&#037;2Farticles&#037;2F2009&#037;2F03&#037;2F27&#037;2Fbusiness&#037;2Fcolumns&#037;2Fmarc_kramer&#037;2Fdoc49cc5ec757781511681871.txt&#039;);zwShowDetails(\"8a7c9fef203b2b3c01204910ec43170c\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Next Article<\/a> &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><\/div>"},"v8a7c9fef203b2b3c01204910ec43170c":{"hiddenOpening":"<div id='zw_details_8a7c9fef203b2b3c01204910ec43170c' style='display:none'>","hiddenClosing":"<\/div>","visibleOpening":"<div id='zw_details_8a7c9fef203b2b3c01204910ec43170c'>","visibleClosing":"<\/div>","contents":"<div style='padding-top:3px;' align='left' id='full_1'><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://www.coloradoan.com/article/20090330/BUSINESS/903300306' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01205da502b82ce1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.coloradoan.com&#037;2Farticle&#037;2F20090330&#037;2FBUSINESS&#037;2F903300306&#039;);zwShowDetails(\"8a7c9fef203b2b3c01205da502b82ce1\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;<a href='http://www.cnbc.com/id/29879913' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490c607416e7\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Next Article<\/a> &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><div id='zwInlineTitle' style='text-align:left;height:auto'><a href='http://thebulletin.us/articles/2009/03/27/business/columns/marc_kramer/doc49cc5ec757781511681871.txt' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01204910ec43170c&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fthebulletin.us&#037;2Farticles&#037;2F2009&#037;2F03&#037;2F27&#037;2Fbusiness&#037;2Fcolumns&#037;2Fmarc_kramer&#037;2Fdoc49cc5ec757781511681871.txt&#039;);' target='_blank' >Twenty Tools To Start A Consulting Practice<\/a><span class='zwClear'><\/span><\/div><div class='zwContentExtra' id='extra_1'><\/div><div class=\"zwContentComment\" id=\"zw_1_ec\"><span id=\"zwCommentHead\">Editor&#039;s Note: <\/span>syndicated <\/div><div class='zwContentText'><span class='zwInline'><div><span>With companies pushing their employees off the plank into the sea of \r\nfinancial and professional uncertainty, one of the best options to take control \r\nof one&#039;s career is to start a consulting practice.  Starting a consulting \r\npractice is a good way to get back your self-esteem, which is usually very low \r\nafter being left adrift, and a good way to generate revenue. <br/><br/>I can speak \r\nfrom experience.  One of the companies I ran was bought by another company \r\nand I had no immediate options.  I always hated interviewing and preferred \r\nto have more control over my life. <br/><br/>Now is a good time to start your own \r\nbusiness because companies still need professionals with a variety of skills, \r\nbut can&#039;t afford to hire full-time people.  You don&#039;t need many tools to \r\nstart your own practice, especially with software, the Internet, hardware and \r\nonline services available.  Here are the essentials: <br/><br/>Microsoft \r\nOffice 2007: You can store your contacts, send your e-mails, make ...<\/span><\/div><span class='zwTextReadMore'><a href='http://thebulletin.us/articles/2009/03/27/business/columns/marc_kramer/doc49cc5ec757781511681871.txt' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01204910ec43170c&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fthebulletin.us&#037;2Farticles&#037;2F2009&#037;2F03&#037;2F27&#037;2Fbusiness&#037;2Fcolumns&#037;2Fmarc_kramer&#037;2Fdoc49cc5ec757781511681871.txt&#039;);' target='_blank' >[Read Full Article]<\/a><\/span><\/span><\/div><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://www.coloradoan.com/article/20090330/BUSINESS/903300306' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01205da502b82ce1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.coloradoan.com&#037;2Farticle&#037;2F20090330&#037;2FBUSINESS&#037;2F903300306&#039;);zwShowDetails(\"8a7c9fef203b2b3c01205da502b82ce1\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;<a href='http://www.cnbc.com/id/29879913' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490c607416e7\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Next Article<\/a> &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><\/div>"},"v8a7c9fef203b2b3c0120490c607416e7":{"hiddenOpening":"<div id='zw_details_8a7c9fef203b2b3c0120490c607416e7' style='display:none'>","hiddenClosing":"<\/div>","visibleOpening":"<div id='zw_details_8a7c9fef203b2b3c0120490c607416e7'>","visibleClosing":"<\/div>","contents":"<div style='padding-top:3px;' align='left' id='full_2'><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://thebulletin.us/articles/2009/03/27/business/columns/marc_kramer/doc49cc5ec757781511681871.txt' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01204910ec43170c&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fthebulletin.us&#037;2Farticles&#037;2F2009&#037;2F03&#037;2F27&#037;2Fbusiness&#037;2Fcolumns&#037;2Fmarc_kramer&#037;2Fdoc49cc5ec757781511681871.txt&#039;);zwShowDetails(\"8a7c9fef203b2b3c01204910ec43170c\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;<a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490e2a9b16f1\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Next Article<\/a> &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><div id='zwInlineTitle' style='text-align:left;height:auto'><a href='http://www.cnbc.com/id/29879913' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);' target='_blank' >What Do Family Businesses Want from Obama&#039;s Administration?<\/a><span class='zwClear'><\/span><\/div><div class='zwContentExtra' id='extra_2'><\/div><div class=\"zwContentComment\" id=\"zw_2_ec\"><span id=\"zwCommentHead\">Editor&#039;s Note: <\/span>more coverage resulting from our work with Wayne Rivers on last year&#039;s Family Owned and Operated Initiative <\/div><div class='zwContentText'><span class='zwInline'><div><p class=\"textBodyBlack\"><em>Today&#039;s Guest Blog is written by Wayne Rivers author \r\nof &quot;The Top Nine Reasons Family Businesses Fail And The Eight Building Blocks \r\nFor Creating A SUSTAINABLE Closely Held Company.&quot;<\/em> <\/p><p class=\"textBodyBlack\"><span id=\"byLine\"><\/span>The Obama administration&#039;s \r\neconomic recovery plan and proposed budget has lots of things for small and \r\nclosely-held businesses - almost all of them bad. <\/p><p class=\"textBodyBlack\"><span id=\"byLine\"><\/span>The administration gives lip \r\nservice to being a friend of small business while simultaneously proposing \r\ndestructive initiatives like higher taxes, a cap and trade system, nationalized \r\nhealthcare, and debt as far as the eye can see. <\/p><p class=\"textBodyBlack\"><span id=\"byLine\"><\/span><b><strong>Family and closely-held \r\nbusiness is big business.<\/strong><\/b> Closely-held companies create about 75&#037; \r\nof the net new jobs in our economy, employ about two-thirds of the population, \r\nand account for about 64&#037; of GDP. The people that own, operate and work in small \r\nbusinesses are the most productive segment of the middle class. They are notable \r\nbecause - unlike the Detroit automakers and the money center banks who, in ...<\/p><\/div><span class='zwTextReadMore'><a href='http://www.cnbc.com/id/29879913' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);' target='_blank' >[Read Full Article]<\/a><\/span><\/span><\/div><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://thebulletin.us/articles/2009/03/27/business/columns/marc_kramer/doc49cc5ec757781511681871.txt' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01204910ec43170c&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fthebulletin.us&#037;2Farticles&#037;2F2009&#037;2F03&#037;2F27&#037;2Fbusiness&#037;2Fcolumns&#037;2Fmarc_kramer&#037;2Fdoc49cc5ec757781511681871.txt&#039;);zwShowDetails(\"8a7c9fef203b2b3c01204910ec43170c\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;<a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490e2a9b16f1\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Next Article<\/a> &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><\/div>"},"v8a7c9fef203b2b3c0120490e2a9b16f1":{"hiddenOpening":"<div id='zw_details_8a7c9fef203b2b3c0120490e2a9b16f1' style='display:none'>","hiddenClosing":"<\/div>","visibleOpening":"<div id='zw_details_8a7c9fef203b2b3c0120490e2a9b16f1'>","visibleClosing":"<\/div>","contents":"<div style='padding-top:3px;' align='left' id='full_3'><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://www.cnbc.com/id/29879913' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490c607416e7\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;<a href='http://www.mainstreet.com/article/small-business/launching/20-essential-tools-new-consultant?page=2' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01203f3379f7063d&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.mainstreet.com&#037;2Farticle&#037;2Fsmall-business&#037;2Flaunching&#037;2F20-essential-tools-new-consultant&#037;3Fpage&#037;3D2&#039;);zwShowDetails(\"8a7c9fef203b2b3c01203f3379f7063d\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Next Article<\/a> &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><div id='zwInlineTitle' style='text-align:left;height:auto'><a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);' target='_blank' >Managing accounts receivable<\/a><span class='zwClear'><\/span><\/div><div class='zwContentExtra' id='extra_3'><\/div><div class='zwContentText'><span class='zwInline'><div><div><div style=\"margin: 0in 0in 10pt\">In my last article we briefly described cash flow. Receivables are a vital part of your company&#039;s cash flow. Without cash flow small businesses tend to borrow more money so that they can meet working capital needs. However, eventually this will catch up to you. <\/div><div style=\"margin: 0in 0in 10pt\"><br/> Handling accounts receivable will vary depending on the company but basically you want a system that is going to generate customer invoices and monthly statements, record daily sales and receipts, and track customers&#039; current and past due balances.<\/div><p>Today we have all kinds of computer software programs that will do all of this for your company. Quickbooks Pro and Peachtree are two accounting programs and they are relatively inexpensive.<\/p><p><br/> Establish a credit policy and stick to it. Decide who you will be extending credit to and, determine the conditions for your extension of credit. How much credit will you be extending and to whom? How will your customers be making payment, checks, credit cards, money orders, or direct ...<\/p><\/div><\/div><span class='zwTextReadMore'><a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);' target='_blank' >[Read Full Article]<\/a><\/span><\/span><\/div><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://www.cnbc.com/id/29879913' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490c607416e7&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.cnbc.com&#037;2Fid&#037;2F29879913&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490c607416e7\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;<a href='http://www.mainstreet.com/article/small-business/launching/20-essential-tools-new-consultant?page=2' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01203f3379f7063d&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.mainstreet.com&#037;2Farticle&#037;2Fsmall-business&#037;2Flaunching&#037;2F20-essential-tools-new-consultant&#037;3Fpage&#037;3D2&#039;);zwShowDetails(\"8a7c9fef203b2b3c01203f3379f7063d\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Next Article<\/a> &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><\/div>"},"v8a7c9fef203b2b3c01203f3379f7063d":{"hiddenOpening":"<div id='zw_details_8a7c9fef203b2b3c01203f3379f7063d' style='display:none'>","hiddenClosing":"<\/div>","visibleOpening":"<div id='zw_details_8a7c9fef203b2b3c01203f3379f7063d'>","visibleClosing":"<\/div>","contents":"<div style='padding-top:3px;' align='left' id='full_4'><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490e2a9b16f1\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;Next Article &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><div id='zwInlineTitle' style='text-align:left;height:auto'><a href='http://www.mainstreet.com/article/small-business/launching/20-essential-tools-new-consultant?page=2' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01203f3379f7063d&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.mainstreet.com&#037;2Farticle&#037;2Fsmall-business&#037;2Flaunching&#037;2F20-essential-tools-new-consultant&#037;3Fpage&#037;3D2&#039;);' target='_blank' >20 Essential Tools for the New Consultant <\/a><span class='zwClear'><\/span><\/div><div class='zwContentExtra' id='extra_4'><\/div><div class='zwContentText'><span class='zwInline'><div><div><p itxtvisited=\"1\">With companies pushing their employees off the plank into the sea of financial and professional uncertainty, one of the best options to take control of one&#039;s career is to start a consulting practice. A consulting practice is a good way to regain your self-esteem and an even better way to generate revenue.<\/p><p itxtvisited=\"1\">I can speak from experience. A company I had run was bought by another company, and I had no immediate options. I always hated interviewing and preferred to have more control over my life.<\/p><div id=\"editorsPicks\" itxtvisited=\"1\">Remember, companies still need professionals with a variety of skills but can&#039;t afford to hire full-time people. You don&#039;t need many tools to start your own practice, especially with available software, hardware and <a class=\"iAs\" href=\"&#035;\" target=\"_blank\" itxtdid=\"8345329\" style=\"font-weight: normal! important; font-size: 100&#037;! important; padding-bottom: 1px! important; color: darkgreen! important; border-bottom: darkgreen 0.07em solid; background-color: transparent! important; text-decoration: underline! important\">online services<\/a>. Here are the essentials:<\/div><p itxtvisited=\"1\"><strong itxtvisited=\"1\">1. Microsoft Office 2007:<\/strong> With this product (Stock Quote: <a href=\"http://www.mainstreet.com/stocks.html?symbol=MSFT\">MSFT<\/a>), you can save contacts, send e-mails and word documents, create presentations and financial spreadsheets, design Web sites and put together newsletters.<\/p><p itxtvisited=\"1\"><strong itxtvisited=\"1\">2. QuickBooks or Peachtree First Accounting:<\/strong><\/p><\/div><\/div><span class='zwTextReadMore'><a href='http://www.mainstreet.com/article/small-business/launching/20-essential-tools-new-consultant?page=2' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c01203f3379f7063d&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.mainstreet.com&#037;2Farticle&#037;2Fsmall-business&#037;2Flaunching&#037;2F20-essential-tools-new-consultant&#037;3Fpage&#037;3D2&#039;);' target='_blank' >[Read Full Article]<\/a><\/span><\/span><\/div><table id='zwNextPrev' width='100%'><tr><td style='text-align: left;' align='left'>&lt;&lt; <a href='http://www.examiner.com/x-4384-Hampton-Roads-Womens-Business-Examiner~y2009m3d25-Managing-accounts-receivable' onclick='zTrkClick(this, &#039;8a7caa111a3f8801011a74ccd8af0af0&#039;,&#039;8a7c9fef203b2b3c0120490e2a9b16f1&#039;,&#039;402881e71da6b5e8011da6b634a70028&#039;,&#039;http&#037;3A&#037;2F&#037;2Fwww.examiner.com&#037;2Fx-4384-Hampton-Roads-Womens-Business-Examiner&#037;7Ey2009m3d25-Managing-accounts-receivable&#039;);zwShowDetails(\"8a7c9fef203b2b3c0120490e2a9b16f1\",\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Previous Article<\/a>&nbsp;|&nbsp;Next Article &gt;&gt;<\/td><td style='text-align: right;' align='right'><a style='cursor:pointer' onclick='zwShowTitles(\"8a7caa111a3f8801011a74ccd8af0af0\");zift_pc--;return false;'>Return to List<\/a><\/td><\/tr><\/table><\/div>"}};
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v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c0120490c607416e7.visibleClosing;
} else {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c0120490c607416e7.hiddenClosing;
}
if (v8a7caa111a3f8801011a74ccd8af0af0_story && v8a7caa111a3f8801011a74ccd8af0af0_story == '8a7c9fef203b2b3c0120490e2a9b16f1' && v8a7caa111a3f8801011a74ccd8af0af0_details['v' + v8a7caa111a3f8801011a74ccd8af0af0_story] ) {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c0120490e2a9b16f1.visibleOpening;
} else {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c0120490e2a9b16f1.hiddenOpening;
}
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c0120490e2a9b16f1.contents;
if (v8a7caa111a3f8801011a74ccd8af0af0_story && v8a7caa111a3f8801011a74ccd8af0af0_details['v' + v8a7caa111a3f8801011a74ccd8af0af0_story] == 'v8a7c9fef203b2b3c0120490e2a9b16f1') {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c0120490e2a9b16f1.visibleClosing;
} else {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c0120490e2a9b16f1.hiddenClosing;
}
if (v8a7caa111a3f8801011a74ccd8af0af0_story && v8a7caa111a3f8801011a74ccd8af0af0_story == '8a7c9fef203b2b3c01203f3379f7063d' && v8a7caa111a3f8801011a74ccd8af0af0_details['v' + v8a7caa111a3f8801011a74ccd8af0af0_story] ) {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c01203f3379f7063d.visibleOpening;
} else {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c01203f3379f7063d.hiddenOpening;
}
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c01203f3379f7063d.contents;
if (v8a7caa111a3f8801011a74ccd8af0af0_story && v8a7caa111a3f8801011a74ccd8af0af0_details['v' + v8a7caa111a3f8801011a74ccd8af0af0_story] == 'v8a7c9fef203b2b3c01203f3379f7063d') {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c01203f3379f7063d.visibleClosing;
} else {
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_details.v8a7c9fef203b2b3c01203f3379f7063d.hiddenClosing;
}
v8a7caa111a3f8801011a74ccd8af0af0_html += v8a7caa111a3f8801011a74ccd8af0af0_main.closing;
if (document.getElementById('zift_html_8a7caa111a3f8801011a74ccd8af0af0')) {
document.getElementById('zift_html_8a7caa111a3f8801011a74ccd8af0af0').innerHTML = v8a7caa111a3f8801011a74ccd8af0af0_html;
} else {
document.write(v8a7caa111a3f8801011a74ccd8af0af0_html);}
document.write(v8a7caa111a3f8801011a74ccd8af0af0_main.tracking);