Who Survived at the End of Lost?

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The final season of Lost was split up into two realities. One was a continuation of the main timeline from the first five seasons. This timeline is the “real world” and it’s this world that this article is focused on. The other reality is the “flash sideways” which is revealed to be a kind of “purgatory” (I don’t know if that’s the best word for it, but it’s some sort of “post life” world) at the end of the finale episode.

The “flash sideways” world occurs in a place outside of time. It happens after all of the characters die, even if they die at different times (which they obviously do.)

But this article is about who survived at the end of the “real world” timeline as the show ends? Who either escaped the island for good or was still alive on the island at the end?

Escaped The Island On The Plane

The first group of people who clearly survived were those who were on the plane flown by Frank Lapidus. Sawyer, Kate, Claire, Miles, & Richard were on the plane as passengers.

Survived On The Island

Hurley was the “new Jacob” at the end of the series (after Jack’s death) with Ben as his “#2.” Bernard and Rose were also still alive (avoiding drama!)

Desmond was also alive on the island at the end of the series but it is implied that he leaves to join his wife (Penny) and his son (Charlie) because Ben tells Hurley he doesn’t have to do things the way Jacob did (people can leave the island.)

And I don’t want to forget Vincent the dog (who so poignantly visits Jack as he’s dying at the end.)

Other Survivors

Walt, Aaron, Penny, Jin & Sun’s baby, and Eloise Hawking are some other characters from the show who are still alive at the end.

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Receivables Factoring: An Easy Way to Free Up Cash from Unpaid Invoices

If your business is facing cash flow challenges, account receivables factoring may be the ideal solution to the problem. With receivables factoring, you sell your accounts receivable or invoices to generate quick cash. Receivables factoring is a common practice that’s been used for centuries by businesses around the world to manage cash flow. In fact, receivables factoring transactions in the United States, alone, exceed $60 billion per year, according to the Commercial Finance Association.

Benefits of Receivables Factoring

There are a number of benefits to receivables factoring. A major reason is that it gives you the ability to immediately access cash owed to your company. For some businesses, this minimizes the need to incur debt for operations while waiting for invoices to be paid.

Another advantage of factoring is that it provides a smoother, more consistent cash flow. Instead of wondering if or when you will receive payment from your customers, you can accurately predict when you’ll receive payment based on the terms of your relationship with the receivables factoring company. Businesses typically must wait 30, 60, or even 90 days to receive payment on invoices for products or services that have been delivered. During this time, these funds are tied up and inaccessible to the business. However, receivables factoring can eliminate long billing cycles and enhance cash flow.

Also, factoring eliminates the need for you to handle your own collections. Factoring companies are run by professionals who specialize in collecting and tracking invoices. This translates into an overall reduction in the amount of bad debts and fewer headaches for your business.

Receivables factoring can give you access to cash within 24 hours, which can help you effectively meet short-term cash flow crunches. It also can help you:

o Accelerate cash flow, making it easier to make payroll, pay taxes and fulfill new orders.

o Offer better terms to large customers and increase sales.

o Extend credit to large customers without asking for COD.

o Pay your suppliers faster; take advantage of early pay discounts.

o Purchase equipment, inventory and supplies.

Qualification for Receivables Factoring

Just about every type of industry that generates commercial invoices can and does use receivables factoring. In general, if you pay for labor or materials prior to receiving payment from your customers, factoring can help your business. Or if your business is growing faster than you can generate additional working capital–from private sources or from a bank–factoring can probably provide the cash you need for steady growth. Also, if you have a fairly new business that can’t qualify for bank financing, factoring may be ideal for you.

To qualify for receivables factoring, your company will have to meet to two basic conditions. There can be no existing primary liens on your invoices, meaning no other company should have a claim on the payments when they come in. Also, your customers must also be creditworthy. The factoring company will evaluate your customers on the basis of how quickly they’re likely to pay their invoices.

Prime Candidates for Receivables Factoring

Is your business a prime candidate for receivables factoring? Receivables factoring may be the perfect solution if:

o Long billing cycles are putting a strain on your business cash flow.

o You’re spending too much time collecting from slow paying customers and not enough time building your business?

o The bank has denied your request for a traditional loan because of your lack of years in business, profitability, assets or overall financial strength.

o Your business could increase sales by offering better terms to your new and larger customers.

On the other hand, receivables factoring may not be a good fit if your business is running on low margins–less than 10 percent. Receivables factoring also won’t make sense for your business if you have ample working capital and cash flow isn’t a problem.

How It Works

With receivables factoring, you essentially liquidate or sell outstanding invoices to a factoring company to receive immediate working capital. The company buys the invoice from you for a cash advance amount slightly less than face value, and then later collects the full amount when the receivable is due. Once the factoring company receives full payment for the invoice, you’ll receive the remaining amount–minus a fee. Generally, the receivables factoring fee amounts to three to five percent of the invoice value.

Factoring companies have different fee structures, but factoring fees typically involve:

o Advanced funding – When you send in an invoice to be factored, you’ll usually receive 70 to 90 percent funding of the invoice amount within 24 hours after the invoice has been verified. Then the advanced funding is wired to your business bank account.

o Discount rate or factoring fee – The factoring fee can range between 2.5 percent and 3.5 percent per 30 days, or .1 percent for every day the invoice is unpaid after factoring. (Factoring fees can be customized to the individual needs of your business and customer base.)

o Remainder of the advance minus the factoring fee – When your customer pays the invoice, you will receive the remainder of the advanced funding, minus the factoring fee or discount rate.

Here’s an example of how receivables factoring works. Suppose you have a customer XYZ Company, which owes your business $100,000 for a shipment of your gadgets that were just delivered. XYZ Company is a large customer that has good credit, but they never pay their suppliers (you) any sooner than 45 days. Instead of waiting 45 days to receive payment for your $100,000, you decide to take advantage of receivables factoring. The factoring company verifies your invoice to XYZ Company and you receive 80 percent of the $100,000 ($80,000) within 24 hours, wired to your bank account.

If you have a discount rate similar to the one previously given and XYZ Company pays the $100,000 invoice in about 45 days, this equals a factoring fee of 4.5 percent of the original $100,000 ($4,500). Since you have already received an advance of $80,000 from the factor, you’ll receive the remaining $20,000 minus the factoring fee of $4,500 ($15,500). Ultimately, you’ll collect $95,500 of the original $100,000 invoice.

Keep in mind that the percentage charged by a receivables factoring company is generally more than you would pay for a short-term commercial loan. For that reason, factoring is best used to generate quick cash–not as a long-term solution. Also, receivables factoring companies make their money based on the volume of invoices they purchase. So you may have a slightly harder time finding a factoring company if you have invoices less than $10,000.

Top Review of Brig Hart

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This whole system seems crazy to me.

“The MonaVie opportunity and the R3 Global Total Support System to achieving better health and wealth.” Sounds a little crazy don’t you think? I say it is. But again, don’t want to upset anyone, it’s just my opinion.

The MonaVie product is claiming to be number one as a supper food? Brig Hart said these words himself. Who, by the way is an excellent speaker. Humble though isn’t he? MonaVie is a wine like substance, in a wine like bottle that you are to sell to your friends and family.

You will be offering the business opportunity and product to others through the follow acronym: The ITS factor, (Invite, taste and share.) “Make a list of every one you know every where…” Sounds familiar doesn’t it? Let me tell you something, If you are anything like me your reputation with friends and family for testing crazy products and programs on them is pretty bad. The last thing I ever do at this point is try to push or sell stuff to them. They know where to find me if they see me working on something that interests them.

$39.00 to get involved. Then you have the “right” to be able to buy a case of the product again, bottles of some sort of wonder wine at a wholesale price. Then you get signed up on an “AS” (auto ship) so they can continually ship you cases of this stuff. Anything like AA? (Alcoholics anonymous) You buy the MonaVie wine-like product at $32.00 each and then unload it at like $45.00 a piece.

I don’t know, didn’t people catch on to this kind of thing with Am Way years and years ago? At least that was regular products you could use every day or that regular people bought like toilet paper and T.V.s and such.

This system brings back terrifying memories of a drinkable goopy green Aloe Vera gel that I sold with Nutrition for Life. My poor mom still has some of that stuff in a box in the basement along with some other pills and stuff. Sorry mom.

I just can not support Brig Hart or this MonaVie product and selling system. Imagine trying to get people to come over to your house, drink some mystery drink and then actually buy it! THE END.

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Small Business Factoring – Remedy For Cash Flow Problems

When starting out as a business owner, no doubt you considered all the aspects of owning and operating a business. One neglected area of business ownership is cash flow. Neglected that is until the business owner realizes outstanding billed invoices are not being paid in a timely manner and ongoing operations can’t be funded since the necessary cash flow is not coming in as expected. What is the solution for a new business or one that does not have enough established credit to get a line of credit from the bank?

Small business factoring is one solution that offers quick access to cash collateralized by your own accounts receivable or outstanding invoices. First. let’s consider the situation and how cash flow problems came about in the first place. Generally, invoices are sent to customers with Net 30 terms, meaning the balance of the invoice should be paid by the customer within 30 calendar days. As many business owners know, seldom do their customers pay within a 30 day time frame with many going unpaid for sixty days or more. Odds are, your customer is experiencing the same cash flow problems as you, their vendor.

So how can small business factoring be a solution for cash flow problems which plague small and mid-size business? Invoice factoring can provide much needed cash within days rather than weeks for your business. This type of business funding is simple in methodology. For example, once a business supplies goods or a service to a customer and an invoice is generated for the total amount due, rather than sending the invoice to the customer, the invoice is sent to a factoring company.

The factoring company will take the invoice and evaluate the financial worthiness of your customer and if they meet the factoring company’s guidelines, they will send you, the business owner, a check for about eighty percent of the total value of the invoice. The other twenty percent of the outstanding invoice is held in reserve until the invoice is paid in full. Once the invoice is paid, the factoring company will send you another check for the remaining twenty percent less their fee.

The small business owner receives needed cash to operate his business within a few days allowing him to continue operating unencumbered by cash flow shortfalls. The factoring company assumes the risk of collecting the outstanding invoice and collects a fee from the total amount of the invoice. Small business factoring is an excellent solution for cash flow problems affecting your bottom line.

Invoice Factoring: A Tool To Revitalize Your Business

imagine a situation where your company is unable to strike a good deal owing to late payment to be made by its customers. You find yourself to be really missing out on “that big deal.” But now, you don’t really need to face the guilt of missing out such an opportunity. Thanks to the boom of factoring into the financial field! All that you need to do is approach a suitable factor and see yourself getting out of every dilemma.

Compared to loans and lines of credit, which require the clients to have tangible assets and strong financials, invoice factoring [http://1rstfunds.com/Small-Business-Cash-Advance.php] helps one to attain cash easily. Besides, most of the business enterprises today do not qualify for the criterion set by the traditional lending institutions. As such, invoice factoring offers them an excellent opportunity to gear up their business. Factoring allows them to avail immediate capital only at a nominal cost.

Invoice factoring is a blessing for business enterprises that are preparing to grow significantly because the factor takes up a part of the client’s credit risk for the end customers. It involves the factor’s bearing up of the loss in case the debtor fails to pay the invoice. This, therefore, is one of the critical services lent by factors to ambitious business enterprises.

One essential thing to know about factoring is that one doesn’t need to owe anything to the factor. The factor does not advance loans but buys invoices from the client. Since invoice factoring is not a loan, it is easy to qualify for it. All you need is a well-run business along with good customers. These are the only two potential prerequisites needed to avail the benefit of factoring. Many factors, infact, do not even demand high credibility on part of the customers. This makes factoring even more alluring to small business enterprises.

Besides, one of the primary objectives of any enterprise is steady cash flow. If cash flow freezes all of a sudden, there arises an immediate need to convert the receivables into ready cash. Invoice factoring thus offers the unique prospect to regenerate a dying business as it provides certain ancillary services as well as frees up internal resources.

Forex Trading Review – Top 4 Forex Trading Strategies Revealed

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Many trading investors especially beginners would like to learn the best trading strategy for them. There are four that are commonly used by experts. These are the swing, discretionary, scalping, and automated trading. First thing to consider before entering the Foreign Exchange Market is to identify which trading style suits you best. Several factors may affect your trading style like your time and capabilities. This article will give you and idea on how each of these trading strategies work:

Swing Trading:

It is almost similar with Day Trading where you could use many trading systems. Its chart time fame is longer than that of day trading. It includes three types of trades, the trend trading, counter trend trading and range trading.

Discretionary Trading:

It does both technical and fundamental analysis. This trading style use visuals like charts to see the pattern of the movement of the market condition. It analyzes the market on a regular basis therefore giving the trader a better understanding of the trading environment. It also applies quantitative analysis to forecast traders’ earnings.

Scalping:

It uses the fundamental analysis to predict the future exchange rates. Traders who use this style watch the economic condition as a whole. They base their analysis on news that would affect the economy like natural disasters, politics, price hikes etc. Before the market adjusts to the condition they make a quick buying decision then sell once the market has recovered.

Automated Trading:

This is the most commonly used by both new and old traders. Trading is possible with little or no human intervention through the use of automated software programs. These trading robots were designed by expert traders. Since Foreign Exchange trading entails a lot of time and effort they saw the need for system to do the work for them. They programmed these robots based on their trading strategies so they need not to be in front of their PCs all the time. If you are the type of person who doesn’t have enough time to monitor the market 24/7 this is a trading style that will best work for you. Having the right knowledgeable, discipline and a reliable tool should not only make your trading easier but will also increase your chances of getting profits in no time.

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Trans Finance: A Look Into Invoice Financing

In business, the ability to manage cash is something that is mandatory if the business is to be successful. Invoice financing is a term that is used to describe the managing of cash in business. It is very important for a business which is small but has the intention of adding capital so that large business can be grown from it. It is a practical way of being financially free so that the finance that you will need for your cash flow will always be flowing. Invoice financing is something that covers different types of financial options. All of these are integrated in a way that is meant for the growth of the business.

Invoice financing covers three main areas but all have the same goal of setting the growing business free to financial freedom. Factoring of the invoice is one of the areas that are meant to help the company in the management of the business. It covers credit control, sales area as well as the ledger. The factoring part of the finance invoicing is meant to take stock of the credit while at the same time pursue those are debtors so that the cash flow will be smooth. This is one of the areas that a lot of small business neglect while they should really give it importance as it is what will lead to a better management of the resources. Invoice financing therefore comes up with ways that will help the business be in control of their credit.

Invoice Discounting is another area of invoice financing that is almost similar to factoring in that its main aim is to get the business in control of its credit. It will therefore ensure that invoice is well balanced and cleared in good time. It is one of the things that is used to restore confidence to customers on the ability of being trusted with their invoice as well as being in control of the business credits. Most of the large grown business applies this knowledge on the management of their finance and they even have departments that are meant to look into the credit control system.

Asset based lending is another area that is key in invoice financing. The ability to tally and balance the assets is very key in the management of business assets. Lending is one of the ways that is used in business to gain more funds. However, lending cannot be achieved if the assets of that the company is not even sufficient for it to run alone. Assets based lending looks into ways that the assets of the company can be increased so that enough cash can be available for the invoices that are outstanding. They look into ways of increasing property for the company, some equipment as well as the company stock or shares. They therefore come up with ways that can be used in the raising of cash.

Invoice financing is something that has been seen to work. It has not only led to the growth of businesses but also it has birthed new business opportunities. It will reduce the chance and probability of borrowing from financial institutions because of inability of funds.

Top Online Casino Payout Rates

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Most all top online casinos voluntarily subject themselves to regular audits (usually monthly) by a qualified and reputable third party firm, such as Pricewaterhouse Coopers (PwC). These audits generally focus on two aspects of the online casino’s operations: their random number generator and their payout rates. The latter — payout rates — is the subject of this article.

An online casino’s payout rates are displayed as a percentage — that being the percentage of incoming wagers that are paid out in winnings. As you can imagine, the higher the payout rates, the better. The top online casinos are often considered so, in part, precisely because they offer the highest payout rates.

A top online casino with the highest payout rate in video poker may not have the best payout rate for slots. Payout rates vary within top online casinos for each individual game. If you’re planning on joining a top online casino for a specific game — be it poker, craps, baccarat, video poker, roulette, blackjack, slots, keno, or any other top online casino game — check the top online casino’s payout percentages for that specific game.

Top Online Casino Payout Rates Overall: Grand Online Casino (98.42%), Golden Palace Online Casino (98.15%), Sands of the Caribbean (98.11%), USA Casino (98.09%), 32Red Casino (97.97%), Ladbrokes Casino (97.68%), Casino-on-Net (97.63%), InterCasino (97.13%).

Top Online Casino Payouts for Slots: Slotland (98.00%), Casino Las Vegas (97.50%), Golden Palace Online Casino (97.18%), Royal Vegas Online Casino (96.59%), Aztec Riches Casino (96.51%), Yukon Gold Casino (96.31%), Shark Casino (96.49%), Casino Kingdom (96.15%), Ladbrokes Casino (96.03%).

Top Online Casino Payouts for Video Poker: Jackpots in a Flash Casino (99.53%), Lucky Nugget Online Casino (99.11%), Crazy Vegas Casino (99.07%), Lucky Emperor Casino (99.03%), 7 Sultan Casino (99.00%), Royal Vegas Online Casino (98.77%), Swiss Casino (98.70%), Spin Palace (98.60%), RiverBelle Casino (98.59%), Roxy Palace Online Casino (98.58%).

Top Online Casino Payout at Table Games: Casino Kingdom (99.62%), Mummys Gold Casino (99.52%), Aztec Riches Casino (99.22%), 3 Diamond Casino (99.19%), 49er Casino (99.10%), Casino Domain (99.01%), Challenge Casino (98.98%), Crazy Vegas Casino (98.91%), Cherry Casino (98.69%), Captain Cooks (98.57%).

Top online casinos that get their payout rates audited will almost always publish the results of each audit on their website for anyone — member or non-member — to view. They’ll even keep archives of all their past audits, also open to public viewing.

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Things to Consider Before You Turn to SME Invoice Factoring

Invoice factoring sounds like the perfect solution to a small business. Be careful though, my recent experience shows that, in some situations, this may actually be quite detrimental to the cash flow management of your business.

Firstly though, are we all clear on what is invoice factoring?

Invoice factoring takes over all the tasks involved with the running and maintaining of your sales ledger. This covers the tasks of raising your invoices to customers, payment collection and credit control. Furthermore, the factoring company will advance you upto 95% of the value of the invoices raised.

Sounds perfect?

Unfortunately if the factoring company starts to find that your customers are not paying within a set amount of time or they don’t “like” the customers you are dealing with, then they may start to cap your factoring advances. When your funds start to get capped and with no alternative arrangement in place, your cash flow will be instantly stopped and you could find yourself in a very difficult and stressful place.

So, think about your business now and try to manage this situation before the situation starts to manage you!

Here are 3 areas you should think about and how they apply to your small business accounting.

1. You lack visibility of your sales ledger process so will be dependent on Invoice factoring

The problem: Managing your customer invoicing and cash income may seem like an onerous and non priority task to you, especially if you want to be able to focus on growth. Invoice factoring can be a great solution, especially where your costs are heavily incurred upfront, e.g temporary staffing agencies. However, with handing over this processing task to a third party you will loose line of sight and visibility on who are the bad payers, how long is your cash collection cycle and what is the true requirement for working capital for your business. In the early days of your business, this may not be your concern, however as your turnover increases, factoring charges based on your gross turnover will increase proportionately. 4% of £100K may be affordable, 4% of £2m feels expensive.

To manage this situation: Think how long and at what level of turnover the factoring costs, in real terms, will become uncompetitive. Ensure you plan in advance an alternative financing strategy. Look at the terms of your agreement to ensure you will have the option to switch when the time is right and don’t tie yourself in for too great lengths of time on the promise of a lower factoring % today.

2. Slow responsiveness to queries and credit note requests.

The problem: Is it likely that customers will dispute or query invoices due to the nature of your business? Where a large factoring service is used, this will be remote to your offices. Any customers ringing up with queries are likely to be dealt with, in a less personal way than if this function were carried out in house. Customers with queries on invoices often find they don’t get a quick level of response for copy invoices or even agreed credit notes. This all results in payments being held back. Once again, this is going to impact on your advance if your agreement is that you are advanced up to a capped amount based on the age and balance on your sales ledger.

To manage this situation: Check the responsiveness of the factoring company by ringing them yourself. Do you feel happy that your point of contact is responsive to your queries as their customer? Is there cover when your point of contact is not about? If they are not responsive to you, you can bet your customers are getting an even worst service. Check also on the ledger notes and with your contact periodically. What types of queries and requests are being raised by your customers? This can give you an indication of where the process is failing. E.g are customers constantly asking for copies of invoices, could this indicate that invoice are not being sent out in time if at all. Check where you have requested a credit note, how long is it taking to get this credit note raised and you seeing it on the system. What is the principle way invoices and supporting documents are being sent to your customers, post or email and how long is this taking.

3. You have new customers who do not have sufficient trading history.

The problem: Factoring companies really do not like new companies in terms of granting advances on their invoices. With no trading history, they may simply decide not to factor these invoices but will happily take on the invoicing and credit control of these customers. This will all be wrapped up in your fee, so ensure that you understand the factoring company’s criteria for factoring a company for you. If you are paying for credit control, satisfy yourself that the factoring company is chasing your unfactored invoices as vigorously as your factored invoices.

To manage this situation: If there are going to be a number of your customers who are likely to not be factored, then it may be worthwhile you taking on your own credit control of your customers. In terms of the management of your cash, these customers will be critical and will probably need much closer watching until you are satisfied they will pay to terms and will not make an unnecessarily pull on your cash reserves.

Otherwise, check the processing time it takes for your Factoring company to raise, send out and collect payment from your unfactored invoices. Check the lead time your invoice factoring company believes it can work to. Now check with the customer on how quickly they are receiving the invoice. With some of the larger factoring businesses, they do not know themselves so don’t always rely on what they are telling you, carry out your own checks.

Popular Designer Salwar Kameez Styles for Spring 2011

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Salwar kameez still in trend

Fashion is never constant and for women it’s changing every day or rather every hour from clothing to hairstyles. For Indian women though the costumes vary as per the occasions but certainly salwar kameez is ageless piece of elegant clothing. With cool and pleasant atmosphere around surely this spring collections has lots to offer. Designer salwar kameez are great authentic pieces of a professional innovative works for every festive season. This outfit is exclusive and is for every occasion from a cocktail to reception. It’s preferred because of its easy to carry drape rather than other outfits. It’s a must buy for every women. Spring collections are made from fabrics like crepe which is apt for climate transition phase from winter to summer too.

Reasons to own designer salwar kamiz:

Many designers have presented this spring collections in many fashion weeks like Lakme, Wills lifestyle and several new collections are expected to arrive. To own a designer salwar kameez is a desire of every woman. The specialty in them is the intricate sequencing and patch work done in every piece without any two costumes of a kind. As designer work is not cheap so the clients are specific on their purchase. This adds a   unique  element to their personality and wardrobe too, making the person a trend setter in surrounding. The best part of designer product is the unmatched comfort fitting, the research they put in creating a single piece due to the label value. The differences are very evident from the local pieces and a designer work from prints, stitching; quality of fabric, sequences, delicate hand and machine work stands always apart. In kameez the low neck line are very trendy and hot this spring season. Above all the final look of attire which is because of the peculiar design and finishing from the choice of threads in the color of sequences makes the costume timeless and can be worn several times. Designer salwar kameez for spring is forever multi utility costume. Salwar kameez are categorized as per different events like exotic salwar kameez, trendsetter salwar kamiz, Patiala, chudidar salwar kameez to simplify choice.

Let’s have a look at the fabrics used by designers for salwar kamiz collections:

Chanderi jacquard, semi crepe, chanderi silk, cotton, pure crepe and rayon material! Many designers have their specific likes which are clearly visible in their collections. Like Manish Arora will always keep black color as base is filled with various bright colors. Another prominent designer is Neeta Lulla whose spring collections are inspired by the life around her and her fashion forecast is fusion wear making kurta’s give every girl and women the very classic Indo western look. Ritu Kumar too is very fashionable and leading designer whose clothes offer a range for fashioners from 18 years till 70 years.

The prices vary as per designer brand and fabrics used. Normally initial range is not very expensive and starts from 3000/- above. I know it’s hard to stop yourself after reading this. Gift yourself this Christmas a good designer salwar kameez and fall in love with the exclusive wear.

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