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	<title>The Business Owner &#187; Credit &amp; Collections</title>
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	<link>https://www.thebusinessowner.com</link>
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		<title>Credit Cards More Expensive, Riskier as Source of Funds</title>
		<link>http://www.tbobeta.com/business-guidance/credit-collections/2009/08/credit-cards-more-expensive-riskier-as-source-of-funds</link>
		<comments>http://www.tbobeta.com/business-guidance/credit-collections/2009/08/credit-cards-more-expensive-riskier-as-source-of-funds#comments</comments>
		<pubDate>Sat, 01 Aug 2009 15:00:29 +0000</pubDate>
		<dc:creator>Stephanie</dc:creator>
				<category><![CDATA[Credit & Collections]]></category>
		<category><![CDATA[Finance::Business]]></category>
		<category><![CDATA[Finance::Personal]]></category>
		<category><![CDATA[Investments & Capital]]></category>
		<category><![CDATA[Bank Financing]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[higher interest rates and fees]]></category>
		<category><![CDATA[The National Small Business Association]]></category>

		<guid isPermaLink="false">http://www.thebusinessowner.com/?p=2031</guid>
		<description><![CDATA[Credit cards are a significant source of capital for small businesses. In fact, The National Small Business Association (NSBA) recently surveyed 288 small businesses and found 86 percent use credit cards as either their primary or sole source of funds! Nearly a quarter reported juggling more than four credit cards used for business purposes.

Pretty shocking, given the punishingly high cost. And since respondents reported using their credit cards as sources of funding, we can safely assume they carry balances. Add to this the turmoil in the credit card market today and we have at hand a real challenge for small companies.]]></description>
			<content:encoded><![CDATA[Credit cards are a significant source of capital for small businesses. In fact, The National Small Business Association (NSBA) recently surveyed 288 small businesses and found 86 percent use credit cards as either their primary or sole source of funds! Nearly a quarter reported juggling more than four credit cards used for business purposes.

Pretty shocking, given the punishingly high cost. And since respondents reported using their credit cards as sources of funding, we can safely assume they carry balances. Add to this the turmoil in the credit card market today and we have at hand a real challenge for small&nbsp;companies.]]></content:encoded>
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		<item>
		<title>Is Your Self-Esteem Derived from Your Income Statement?</title>
		<link>http://www.tbobeta.com/business-guidance/business-ownership/2009/07/is-your-self-esteem-derived-from-your-income-statement</link>
		<comments>http://www.tbobeta.com/business-guidance/business-ownership/2009/07/is-your-self-esteem-derived-from-your-income-statement#comments</comments>
		<pubDate>Wed, 01 Jul 2009 15:00:27 +0000</pubDate>
		<dc:creator>Stephanie</dc:creator>
				<category><![CDATA[Business Ownership]]></category>
		<category><![CDATA[Credit & Collections]]></category>
		<category><![CDATA[Professional Development]]></category>
		<category><![CDATA[Claire Cornell]]></category>
		<category><![CDATA[Jay Kent-Ferraro]]></category>
		<category><![CDATA[self-esteem]]></category>
		<category><![CDATA[self-worth]]></category>
		<category><![CDATA[University of Tulsa]]></category>

		<guid isPermaLink="false">http://www.thebusinessowner.com/?p=2063</guid>
		<description><![CDATA[Too often, a business owner’s self-esteem is derived from his success or his net worth. This is an issue that is more prevalent than people would think, our experts say. The answer in handling the issue lies with the owner’s ability to diversify his life and to find meaning and enjoyment in other areas besides the business.]]></description>
			<content:encoded><![CDATA[Too often, a business owner’s self-esteem is derived from his success or his net worth. This is an issue that is more prevalent than people would think, our experts say. The answer in handling the issue lies with the owner’s ability to diversify his life and to find meaning and enjoyment in other areas besides the&nbsp;business.]]></content:encoded>
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		<title>Stay on Top of Your Receivables!</title>
		<link>http://www.tbobeta.com/business-guidance/credit-collections/2009/03/stay-on-top-of-your-receivables</link>
		<comments>http://www.tbobeta.com/business-guidance/credit-collections/2009/03/stay-on-top-of-your-receivables#comments</comments>
		<pubDate>Sun, 01 Mar 2009 15:01:16 +0000</pubDate>
		<dc:creator>Stephanie</dc:creator>
				<category><![CDATA[Credit & Collections]]></category>
		<category><![CDATA[accounts receivable]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[credit terms]]></category>
		<category><![CDATA[customers]]></category>
		<category><![CDATA[Risk Management]]></category>

		<guid isPermaLink="false">http://www.thebusinessowner.com/?p=344</guid>
		<description><![CDATA[Some of your customers are having financial problems. Some are going broke. If you knew which ones, you'd be able to manage your own interests more effectively. But you don't.]]></description>
			<content:encoded><![CDATA[Some of your customers are having financial problems. Some are going broke. If you knew which ones, you'd be able to manage your own interests more effectively. But you&nbsp;don't.]]></content:encoded>
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		<title>Cheap and Easy Collection of Amounts Under $10,000</title>
		<link>http://www.tbobeta.com/business-guidance/credit-collections/2008/09/cheap-and-easy-collection-of-amounts-under-10000</link>
		<comments>http://www.tbobeta.com/business-guidance/credit-collections/2008/09/cheap-and-easy-collection-of-amounts-under-10000#comments</comments>
		<pubDate>Mon, 01 Sep 2008 21:36:04 +0000</pubDate>
		<dc:creator>Stephanie</dc:creator>
				<category><![CDATA[Credit & Collections]]></category>
		<category><![CDATA[contract law]]></category>
		<category><![CDATA[credit policy]]></category>
		<category><![CDATA[Hall Estill]]></category>
		<category><![CDATA[small claims court]]></category>

		<guid isPermaLink="false">http://www.thebusinessowner.com/?p=626</guid>
		<description><![CDATA[Small claims court can be a low-cost, effective way to collect on claims under $10,000. This entails filing a "notice of small claim" form with the district courthouse of the county where the debtor resides, where the contract was signed, or where the real property is. Call the appropriate courthouse, ask for the court clerk, and request the form (by fax or from the court website). Be sure to ask about the maximum amount you can file for because it varies by state. Some states have limits as low as $2,000. The court clerk also can help with questions about what to do, where to go, local laws and limits, what to file, when to show up, etc.]]></description>
			<content:encoded><![CDATA[Small claims court can be a low-cost, effective way to collect on claims under $10,000. This entails filing a "notice of small claim" form with the district courthouse of the county where the debtor resides, where the contract was signed, or where the real property is. Call the appropriate courthouse, ask for the court clerk, and request the form (by fax or from the court website). Be sure to ask about the maximum amount you can file for because it varies by state. Some states have limits as low as $2,000. The court clerk also can help with questions about what to do, where to go, local laws and limits, what to file, when to show up,&nbsp;etc.]]></content:encoded>
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