The advantages of out of town shopping centres are very limited…

– For example: those without transport are disenfranchised
– Traffic on the roads
– ALSO (MAIN POINT) -Some might argue they create jobs .. but really it is probably just shifting employment from paper writer 1 area to another…

Topic and Answer: Employment

Parents would you like to achieve balance between family and career but only a few find a way to achieve it.
What you think ‘s the reason?
Discuss possible solutions and provide examples.

PARAGRAPH 1 – the reason behind imbalance
-Reason is work life balance, increased competition on the job, changes in society, increase in the actual quantity of working mothers puts pressure on the family, EG Studies in america show that families with two full-time parents are more likely to separate. -therefore this indicates that choosing the balance is incredibly difficult.

PARAGRAPH 2 – Possible Solutions?
-Regulations from government, increasing maternity leave, more flexible working practices, reduced working week, EG France had a 35 hour working week…

Topic and Answer and Ideas: Gender issues

Nowadays both men and women spend a lot of cash on beauty care. It was not so in past times.
What may be the root cause of the behaviour?
Talk about the reasons and results that are possible.

IELTS Essay that is writing Structure

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Ukraine Brides Scams

Our company receive lots of concerns from individuals that have actually been ripped off for hundreds and often lots of dollars by Web contacts they presumed were their friends or even liked ones. World wide web con artists make an effort to persuade you to send them money. These plans feature lottery games, internet dating companies, provides of immigration or even visa help, or even requests from a “& ldquo; buddy & rdquo; undone. In most cases, scammers troll the Internet for preys, as well as invest full weeks or even months building a partnership. Once they have gained their victims’ & rsquo; leave, they generate a misleading condition and request cash.

Just before you send out any sort of cash, check to view if you acknowledge some of the adhering to indications that you may be actually a prospective prey of a sham:

  • You simply recognize your friend or even fiancé online and also might never have actually encountered in person.
  • Pictures of the scammer present a really attractive individual, as well as show up to have actually been taken at a professional modeling firm or even image studio.
  • The fraudster’& rsquo; s good fortune is actually exceptionally bad –– she or he remains in an auto accident, or detained, or even held up, or beaten, or hospitalized. Near relative are dead or even not able to aid. Occasionally the fraudster declares to possess a young child overseas who is sick or even hospitalized.
  • You have actually sent out cash for visas or even plane tickets, but they may’& rsquo; t appear to create it to their places, pointing out apprehension through immigration officials, or other unexpected causes that stop all of them for journeying.
  • Be careful of any person who asks for funds as a requirement to leave yet another nation for the USA –– at times phoned an Essential Travel Allotment or BTA. There is no such point as a BTA. In various other situations, your Web good friend will definitely state a requirement for a specific amount of funds to take a trip to the USA. Again, there is actually no such need under U.S. law.
  • The fraudster claims to have been actually birthed in the USA, however makes use of poor syntax and also punctuation a measure of a non-native English speaker.

Marriage/Dating Scams

The UNITED STATE Consular office in Kyiv gets many reports from U.S. citizens who have been actually the targets of a particular sort of net scams in which the person has actually sent money to a person or a firm along with the agreement that a young woman will see the United States for the objectives of relationship or even research. Commonly, these scams will definitely result in requests for raising volumes of amount of money for different reasons, including numerous kept in mind above. The moment the USA consumer ends up being doubtful, the personal or organization will certainly cut off connect with. Many of these companies have actually existed for years under an assortment of various titles as well as deals with.

Even though the woman you have actually ended up being familiarized with carries out exist and also it in all honesty trying to visit you in the USA, it is actually improbable that she will be actually given out a visa. The USA Consular office advises U.S. residents certainly not to send loan to folks or organizations who have promoted for these services online. Our experts possess no authorization to check out these types of incidents and also it is actually incredibly not likely that you will certainly recuperate your funds if it ends up you are the sufferer of a scam.

Legit information about acquiring several kinds of U.S. visas is actually on call absolutely free coming from the USA Embassy internet site as well as the Team of State. Added info concerning applying for a visa for your fiancée is also accessible from the USA Citizenship and Immigration Service.

If you feel you are the prey of a Web con:

  • Carry out certainly not send out cash. Unfortunately, any sort of amount of money you have actually sent out is perhaps certainly not recoverable.
  • Edge all communication along with the fraudster promptly. If you really feel endangered, contact the local area authorities simultaneously. DO NOT try to personally recoup the funds you have sent out.
  • Record the concern promptly to:
    • The World Wide Web Crime Issue Facility, a relationship amongst the Federal Bureau of Inspection (FBI), the National White Collar Criminal Offense Facility (NW3C), as well as the Bureau of Justice Assistance (BJA).
    • If you remain in Ukraine, to the regional police.
    • If the scam stemmed through a specific site, alert the supervisors of that web site.

Financing Cash Flow Peaks And Valleys

For many businesses, financing cash flow for their business can be like riding a continuous roller coaster.

Sales are up, then they do down. Margins are good, then they flatten out. Cash flow can swing back and forth like an EKG graph of a heart attack.

So how do you go about financing cash flow for these types of businesses?

First, you need to accurately know and manage your monthly fixed costs. Regardless of what happens during the year, you need to be on top of what amount of funds will be required to cover off the recurring and scheduled operating costs that will occur whether you make a sale or not. Doing this monthly for a full twelve month cycle provides a basis for cash flow decision making.

Second, from where you are at right now, determine the amount of funds available in cash, owners outside capital that could be invested in the business, and other outside sources currently in place.

Third, project out your cash flow so that fixed costs, existing accounts payable and accounts receivable are realistically entered into the future weeks and months. If cash is always tight, make sure you do your cash flow on a weekly basis. There is too much variability over the course of a single month to project out only on a monthly basis.

Now you have a basis to assess financing your cash flow.

Financing cash flow is always going to be somewhat unique to each business due to industry, sector, business model, stage of business, business size, owner resources, and so on.

Each business must self assess its sources of financing cash flow, including but not limited to owner investment, trade or payable financing, government remittances, receivable discounts for early payment, deposits on sale, third party financing (line of credit, term loan, factoring, purchase order financing, inventory financing, asset based lending, or whatever else is relevant to you).

Ok, so now you have a cash flow bearing and a thorough understanding of your options available for financing cash flow in your specific business model.

Now what?

Now you are in a position to entertain future sales opportunities that fit into your cash flow.

Three points to clarify before we go further.

First, financing is not strictly about getting a loan from someone when your cash flow needs more money. Its a process of keeping your cash flow continuously positive at the lowest possible cost.

Second, you should only market and sell what you can cash flow. Marketers will measure the ROI of a marketing initiative. But if you can’t cash flow the business to complete the sale and collect the proceeds, there is no ROI to measure. If you have a business with fluctuating sales and margins, you can only enter into transactions that you can finance.

Third, marketing needs to focus on customers that you can sell to over and over again in order to maximize your marketing efforts and reduce the unpredictability of the annual sales cycle through regular repeat orders and sales.

Marketing works under the premise that if you are providing what the customer wants that the money side of the equation will take care of itself. In many businesses this indeed proves to be true. But in a business with fluctuating sales and margins, financing cash flow has to be another criteria built into sales and marketing activities.

Overtime, virtually any business has the potential to smooth out the peaks and valleys through a more robust marketing plan that better lines up with customer needs and the business’s financing limitations or parameters.

In addition to linking financing cash flow more closely to marketing and sales, the next most impactful action you can take is expanding your sources of financing.

Here are some potential strategies for expanding your sources for financing cash flow.

Strategy # 1: Develop strategic relationships with key suppliers that have the ability to extend greater financing in certain situations to take advantage of sales opportunities. This is accomplished with larger suppliers that 1) have the financial means to extend financing, 2) view you as a key customer and value your business, 3) have confidence in the business’s ability to forecast and manage cash flow.

Strategy # 2: Make sure where possible that your annual financial statements show a profit capable of servicing debt financing. Accountants may be good at saving you income tax dollars, but if they drive business profitability down to or close to zero through tax planning, they may also effectively destroying your ability to borrow money.

Strategy # 3: If possible, only transact with credit worthy customers. Credit worthy customers allow both the business and potential lenders to finance receivables which can increase the amount of external financing available to you.

Strategy # 4: Develop a liquidation pathway for your tangible assets. Equipment and inventory are easier to finance if lenders clearly understand how to liquidate the assets in the event of default. In some cases, businesses can get resale option agreements on certain equipment or inventory from prospective buyers assignable to a lender to be used as recourse against a lending facility for financing cash flow.

Strategy # 5: Joint venture a sales opportunity with another business to share the risk of a large sales opportunity that may be too risky for you to take on yourself.


The primary long term objective of a business with fluctuating cash flow and margins is to smooth out the peaks and valleys and create a scalable business with more of a predictable sales cycle.

This is best achieved with an approach that including the following steps.

Step #1. Micro Manage your fixed costs and cash flow and accurately project out the cash flow requirements of the business on a weekly basis.

Step #2. Take a detailed inventory of all the sources you have for financing cash flow.

Step #3. Incorporate your financing constraints into your marketing approach.

Step #4. If possible, only transact with credit worthy customers to reduce risk and increase financing options.

Step #5. Work towards expanding both your financing sources and available source limits for financing cash flow.

Business cycle stability and cash flow predictability is an evolutionary step for every business. The industries with longer sales cycles will tend to be the more difficult to tame due to a larger number of variables to manage.