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ore than half of all busiâ€" nesses fail in their first four years. The reason is often cash flow â€" spending all iniâ€" tial capital before generating income. Sales can be strong, but if inventory gets too high or cusâ€" tomers stretch out payments on Controlling cash flow is key to successful new business February 2nd, Wednesday 7:30 p.m. St. Volodymyr Cultural Centre 1280 Dundas St. W. (at 4th Line, Oakyville) Organized by 4 P‘ m 3 e . "Please reserve our 3 / same booth for 1994 â€" 7WM We will be back!" ... to be an exhibitor in the 2nd annual Halton Businessâ€"Toâ€"Business show, February 15 16, 1994 at the St. Volodymyr Cultural Centre, 1280 Dundas Street W. at Fourth Line in Oakville! Don‘t Miss This Valuable Chance to Display Your Products or Services in a Productive Show/Networking Environment! Exhibitors in the show include companies featuring: financial services, communications, office equipment furniture, computer services, personnel agencies, franchise opportunities, couriers and many other businessâ€"toâ€"business organizations. Seminars take place hourly and include Brian Costello â€" one of Canada‘s best known financial commentators and Jim Harris author of the Financial Post, best seller ‘"‘The 100 Best Companies To Work For in Canada". Call Dave Jenkins Today For More Information. + Member of the Oakville CAEM Member _ 8274632 contantssodation BV bpecnal Financial Supplement To TI-IE f sys The ] Ha[mn e m Quotes From 1993 "Good quality Busmefis{l‘ Oâ€" Busmesss fFraffic A good first THE Financial Planning Group â€" 1. Have a financial plan as well as a business plan. Write a financial plan that will help you concentrate on cash and credit requirements invoices, a company will soon be in trouble. Here are a few suggestions to help avoid others‘ mistakes: Hear Brian Explain How To * Double the impact of your RRSP * Farn $25,000 tax free * Achieve 15% return dispite low interest rates * Retire financially independent * Capitalize on the 1994 RRSP rules effort. We got over 100 good leads." Confirm Your Attendance 3. Plan for growth. Growth, even in tough economic times, is imporâ€" tant for business survival. Recent U.S. Small Business Administration statistics indicate that small busiâ€" nesses‘ chances of making it are more than 250% higher if they add 2. Control cash tightly. Pay slow; collect fast. Insist on short terms with your customers. By accelerating receivables and stretchâ€" ing out payables, you can buy time. over five years. Determine how and where growth in sales, personnel, and space will affect your cash flow. By developing a longâ€"range plan, you will be able to address the company‘s future needs. Loans *Line of Credit 1st, 2nd 3rd mortgages Residential Commercial Plazas/Apt./Office Bldgs. Up to 95% Financing NO Upâ€"Front Fees Inâ€"Home or Office Consullatlon 6 Days, 9 a.m.â€"9 p.m. f We j9}. 5. Maintain a quality image. Staff meeting the public should 4. Consider partâ€"time or temporary workers. Once you hire fullâ€"time staff, you assume responâ€" sibility for their regular stipend plus full employâ€" ee benefits â€" even severâ€" ance if you have to lay them off. Perhaps, you can staffâ€"up for busy periâ€" T C Q as V Q Pay Q ods with temporary workers This will give you the flexibility to conâ€" serve cash when the workload dips. Chair of the Board even one employee durâ€" ing their first two years. Anyone thinking about using such a service should consider several things. First, rather than paying the processing fee in advance, conâ€" sumers should insist it be deducted from their loan once it is approved. If the broker finds a lender, their fee is guaranteed and the consumer doesn‘t lose any money. But it‘s important to make sure this arrangeâ€" ment is clearly spelled out in the contract. Some loan brokers charge the upfront fee only to tell the consumer (Continued on next page) The Ontario consumer ministry continues to advise consumers to use caution in dealing with loan brokers. Some loan broker companies charge customers a fee â€"â€" usually nonâ€"refundable â€" to try to find them a loan. In some cases, there are no guarantees they will actually get one. Individuals and groups are invited to share their concerns by sending written comments, addressing the committee in a presentation or participating in a questionâ€"answer period at the end of the formal meeting. in addition to these public input meetings, members of the community are also welcome to participate in the other meetings of finance on February 21st 28th and on March 7th 21st. On February 7 and 14, 1994, the Finance Committee of the Halton Board of Education will be discussing budget priorities for the 1994 budget year. Meetings are held at the J.W. Singleton Centre in Burlington, beginning at 7:30 p.m. If you wish to make a presentation, please call Helen McLeod at (905) 335â€"3663/(905) 878â€"8451 (North), ext. 3261. Please send written comments to: Ministry offers advice about loan brokers Your Opinion Counts! BUDGET 1994 Penny Siebert, Chair, Finance Committee c/o Halton Board of Education J.W. Singleton Education Centre 2050 Guelph Line, P.O. Box 5005 Burlington, Ontario L7R 322 Q Have a financial plan as well as a business plan. Q Control cash tightly. Pay slow; collect fast. Q Maintain a good image. wear ties, jackets or suits. Something as simple as the way your telephone is answered can make the difference between a sale and a rejection. Director of Educati