We are in the advertising industry both on and offline. We are target market specific for each area. So in our own little way we help local businesses be seen and used by local residents. Each area is about 20,000 people but businesses within a 10 mile radius can be seen within that area. We...

Thanks Scot. Half way through and has made things much much clearer. Thanks

Some of the businesses we work with though are small businesses and do work/spend month to month so sometimes cash flow isn't great for them ( or so they say ). Is it saying these are the payment terms stick by them or no deal or do you show a bit of flexibility?

@ZCP Thanks for the feedback. Can see the logic. The "fear" at the back of my mind is that a lot of our customers do pa eventually but it maybe a few weeks late. If i go gung ho and say I want it on that date and they all say forget it cancel my deal then we are losing business for the sake of...

When we initially set our billing system up this was the plan. We didn't look into payment options and asked our UK customers to set up a standing order. ( Not sure if you have them in US or call them something else but this is when a customer goes to the bank and asks to pay somebody on a...

When someone isn't paying it's for a reason. 1) Not got the money 2) Not happy with the service How will raising rates help?

Sarah Blakely - Failed at becoming an attorney - sold fax machines door to door for 7 years - Built a 1.2 billion empire from her flat - raises 4 children - co owns Atlanta Hawks - Runs her own Foundation

I have been running a business now for 9 years and built it up from scratch. This started very locally so deals were done simply and with a handshake. We would send a confirmation email out about the deal and list the terms on here as well as the invoices each month - so people knew what the...

ONE PERSON PER POST NO FAMILY OR FRIENDS ( if something critical has been missed ( negatively ) in any of these posts which you believe needs to be pointed out please quote the post and make our point. More information both positive and negative helps paint the picture and may have been missed...

This is the others I chose. Wellman Max Product Information - Vitabiotics

Thanks. This is the omega oil I went for. If you get 5 would appreciate your thoughts Seven Seas Maximum Strength Cod Liver Oil 150ml

Been in various stores today comparing vitamins, fish oil etc. There are massive price differences. Is this down to marketing costs, % of dosage for each vitamin or is there a difference in quality? Any tips or advice would be appreciated

People complain for a few reasons: 1) I know what i'm talking about - you are wrong I am right 2) They are after something for free or discounted 3) They are not happy or have lost focus 4) They don't understand the process of what has caused the complaint In an situation where there is a...

If Today is the day then what are you doing today to start it all off? Talk is so cheap ( i know from previous experiences when I was younger ) Maybe come back to this post daily and post what you have done?

If you are looking at buying multiple properties then why not buy just one and learn from the experience. ( still read and learn as you go ) Look at historical prices for your chosen area so you aren't potentially overpaying If not paying cash make sure your repayment % isn't to high and don't...

Hi @MoneyDoc Thanks for the words of wisdom but I think you may have misread my post a little. Or I didn't explain myself as well as you ( I think our points are similar ) Even though back in the day this"i can do it anytime I want " (dreaming mentality) was a weakness of mine it is something I...

I'm going to be so fit and lose weight. I just need to read up on it. After the weekend i'm working harder at work and want that promotion I can stop drinking alcohol if I want I will visit that country next year Next week I will get more sleep I could eat healthy but I like to keep it balanced...

Welcome to The Forum. There are some exceptional people on here who will listen, advise and help as much as possible but in the end it all comes down to you. It sounds you could be in a better place than you first imagined. You have a girlfriend who has stood by you. No property but you have...

Fair point. I am new to forums and didn't think about the like/thanks. Will use moving forward and thanks for the nudge!

I am looking to learn and still not finding the answers I am after. Sorry if my posts are incoherent - that wasn't the intention. My first post was about the The All Weather Portfolio. Diversified across asset streams in the stock market. My second post was about averaging out returns in an...