The need for money can come anytime. There could be a medical or business emergency, piled up bills or simply something, you have wanted to do which needs some extra cash. The question is how to arrange funds immediately. Logbook loans...

Atlanta-based fintech Tern partners with global cross-border payments provider UniTeller to allow TransferMex cardholders to easily send money to Mexico

In fact, a prominent study from the financial services company U.S. Bank found that as many as 82 percent of startups and small businesses fail due to poor cash-flow management. So, even if you are a brilliant entrepreneur in every other way, you must stay squarely focused on managing your company’s cash flow to avoid putting your business in imminent danger.

Here are five of the most common cash-flow problems:

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Cash flow is a common concern among many small business owners, with many business models dependent on incoming cash flow at various, often unpredictable times a year versus a steady flow of income. Sound familiar to you, by chance? If you are among the thousands of businesses that are not sure when your next paycheck will come in, pay attention.

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For many businesses, getting paid is not the problem – it’s when. Lumpy cash flow is a stressful experience for business owners because the consequences can include delayed paychecks to employees, missed bill payments or stalled growth due to an inability to take on new clients. So, how can business owners avoid putting themselves at the mercy of clients and when those clients mail their checks?

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Ninety-four percent of independent workers love the control that independence provides, but 67 percent say their top concern has to do with inconsistent income in their micro businesses.

This is according to a recent survey of more than 600 independent workers conducted by the folks behind Invoice2go, an invoice app that allows small businesses to create and send professional invoices from any device.

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Here are five things in technology that happened this past week and how they affect your business. Did you miss them?

1 — Amazon Go cashier-less convenience store opens to the public in Seattle.

This week in Seattle, Amazon opened its cashier-less convenience store to the general public. At Amazon Go, customers scan their smartphone on the way in and are then tracked with cameras and other sensors as they browse.

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Several customers owe you money, but you have no idea when those payments will arrive. Meanwhile, your vendors and contractors are contacting you daily to pay your own invoices. For small-to-midsize businesses (SMBs), this is an all-too-common cash-flow conundrum.

A recent Kabbage survey of 500 successful entrepreneurs showed cash-flow issues are front of mind for SMB owners. Of the respondents surveyed, 63 percent said they are regularly stressed or have anxiety due to cash-flow concerns. Yet, respondents have run successful companies for an average of 10.5 years.

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About 1,199 ARBs from different parts of the region trooped to designated payout areas to get their cash assistance under the DSWD’s Assistance to Individuals in Crisis Situation (AICS) program.

Published at LXer: Germany's Sovereign Tech Fund (STF), which is backed by the Federal Ministry for Economic Affairs and Climate Action, is funding open source work again. This time, the recipients...

About a year ago, Sept 2014, during a violent Austin thunder storm, a rental property I personally own in SW Austin was struck by lightening and caught fire in the attic. As the thunderous flash of light, noise and immediate smoke jolted the tenant out of bed at 2:30AM, he quickly realized that he was standing in water. The home was flooding, and also on fire, simultaneously. Wow! Wake up!! His elderly mother was visiting and he was able to get her and his son out quickly as the house filled with smoke. Then he called 911. Then me. I showed up around 3:15AM, sloshed through about 18 inches of water at my driveway, as about 6 firetrucks were on the scene. It was an apocalyptic scene, like out of a movie. But everyone was ok, and the fire was contained to mostly the attic and three bedrooms. But the ... Read more

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PRZOOM - Newswire (press release) - Tue, 12 Nov 2024 00:00:00 -0500, London United Kingdom - Recognized for comprehensive and configurable SaaS cash management portfolio with embedded AI and ML for more accurate predictive forecasting - idc.com / Oracle.com

Money is a sticky tricky thing for most people that requires some unlearning and healing love to move on. We have to learn how to have a healthy relationship with money. Right now, your clients are probably experiencing one (or all) of the following when they think about bringing in more money than they have […]

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Google Cash - How to Earn Thousands Writing Google AdWords Part Time: "There is a Wealth of Opportunity and Money to be made on Google and the Internet. Once I learned this it became my passion. I'd never felt like that about work before. But now I am finding new ways to make money on the Internet all the time. In Google Cash "

Cinch Home Buyers introduces an innovative cash offer service in North Carolina, empowering homeowners to sell on their terms with speed, transparency, and convenience. [PR.com]

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Together with briquette manufacturer, Berlin fireplace Builder presents environmentally friendly and cost effective heating solutions the current cold wave makes us aware again it: without heating anything goes in our latitudes! Rising prices for oil and gas to provide for worry as supply bottlenecks at two heating energy, covering around 80% of the heat market […]

$20 Cashback on any purchase

$20 Cashback on any purchase

$20 Cashback on any purchase

$20 Cashback on any purchase

Is the god we’re worshipping actually the God of the Bible? Or are we worshiping the benevolent, optimistic, political, social, economic god of contemporary American culture? Because the worship of a false god is worse than the worship of no god.

Shropshire's Jonathan Kemp believes that squash lost out to golf as a future Olympic sport as it does not generate enough money.

A sailing club thanks supporters after raising £30,000 towards the cost of a new slipway.

A full-time fraud financial advocate will support victims in pursing compensation.

THERE is good news for close to 15,000 University Malaya [UM] undergraduates returning to campus this October – homegrown retailer MR DIY will be distributing RM300 to each student to help them purchase essential supplies to facilitate their return to campus.

Dubbed #DIY4UM, the RM4.5 million cash aid distribution programme is being implemented in partnership with Touch ‘n Go via its eWallet platform.

The cash aid will be made to students on their Touch ‘n Go eWallets in three equal payments of RM100 each on Nov 1 and 30, and Dec 30.

Announcing the #DIY4UM aid programme, MR DIY CEO Adrian Ong said the programme was aimed at helping students make the back-to-campus transition as smooth and worry-free as possible.

He said: “The reopening of campuses is a major milestone for university students. After many months of lockdown, they will finally be able to reconvene on campus to fully benefit from the in-person learning experience and enjoy the academic social interaction with lecturers and fellow students alike.

“We believe it’s important that they are well equipped with protective and learning essentials to keep themselves safe while staying focused on their studies, which is why we are distributing this cash aid to undergraduates at University Malaya.”

He said students will be able to easily equip themselves with everyday student essentials, Covid-19 protective equipment and a wide range of stationery items at MR DIY retail stores as well as its online platform using the cash credit given.

In addition, the first 11,000 students who utilise the funds will be entitled to RM10 cashback when they spend a minimum of RM20 using the Touch ‘n Go Wallet.

The promotion applies at MR DIY Group stores, MR DIY Online, as well as the MR DIY mini programme available on Touch ‘n Go eWallet.

The programme is part of a strategic collaboration between MR DIY and Touch ‘n Go which was inked in July this year.

Commenting on the aid programme, Touch ‘n Go group chief executive officer Effendy Shahul Hamid said: “We are extremely pleased that the partnership between our companies has been extended into a benefit for society, in this case, students of University Malaya.

“We stand ready to support this initiative and we commend MR DIY for stepping up during these challenging times.”

All active Malaysian undergraduates at University Malaya are eligible for the aid. They are required to register online via Portal Maya UM by Oct 3, and ensure they have a valid Touch ‘n Go eWallet.

The initiative was lauded by Universiti Malaya’s Vice-Chancellor, Professor Dato’ Ir. Dr Mohd Hamdi Abd Syukor who said: “We are confident this initiative will be of great help to students as they return to campus.”

The #DIY4UM initiative is the latest in a series of collaborations between MR DIY and University Malaysia. MR DIY has for the past four years joined hands with UM and the Ministry of Education to organise the “DIY Made Simple” competition for schools with UM’s Community and Sustainability Center (UMCares).

The competition is a CSR initiative to cultivate awareness of sustainability among schoolchildren.

Visit MR DIY’s website at www.mrdiy.com, e-commerce platform at www.mrdiy.com.my, and social media channels on Facebook and Instagram.

The Bangko Sentral ng Pilipinas has launched an investigation into G-Xchange Inc., the operator of GCash, following numerous complaints from users reporting unauthorized deductions on their e-wallet accounts.

GCash is a phenomenon.

Greece has one of Europe's lowest fertility rates, a dire demographic state driven by a decade-long economic crisis

Privacy: The anonymous cash of our analog parents is fast disappearing, and in its wake comes trackable and permissioned debit cards to our children. While convenient, it’s a wolf in sheep’s clothing.

In the last article, we looked at how our analog parents could anonymously buy a newspaper on the street corner with some coins, and read their news of choice without anybody knowing about it. This observation extends to far more than just newspapers, of course.

This ability of our parents – the ability to conduct decentralized, secure transactions anonymously – has been all but lost in a landscape that keeps pushing card payments for convenience. The convenience of not paying upfront, with credit cards; the convenience of always paying an exact amount, with debit cards; the convenience of not needing to carry and find exact amounts with every purchase. Some could even argue that having every transaction listed on a bank statement is a convenience of accounting.

But with accounting comes tracking. With tracking comes predictability and unwanted accountability.

It’s been said that a VISA executive can predict a divorce one year ahead of the parties involved, based on changes in purchase patterns. Infamously, a Target store was targeting a high school-aged woman with maternity advertising, which at first made her father furious: but as things turned out, the young woman was indeed pregnant. Target knew, and her own father didn’t.

This is because when we’re no longer using anonymous cash, every single purchase is tracked and recorded with the express intent on using it against us — whether for influencing us to make a choice to deplete our resources (“buy more”) or for punishing us for buying something we shouldn’t have, in a wide variety of conceivable ways.

China is taking the concept one step further, as has been written here before, and in what must have been the inspiration for a Black Mirror episode, is weighting its citizens’ Obedience Scores based on whether they buy useful or lavish items — useful in the views of the regime, of course.

It’s not just the fact that transactions of our digital children are logged for later use against them, in ways our analog parents could never conceive of.

It’s also that the transactions of our digital children are permissioned. When our digital children buy a bottle of water with a debit card, a transaction clears somewhere in the background. But that also means that somebody can decide to have the transaction not clear; somebody has the right to arbitrarily decide what people get to buy and not buy, if this trend continues for our digital children. That is a horrifying thought.

Our parents were using decentralized, censorship resistant, anonymous transactions in using plain cash. There is no reason our digital children should have anything less. It’s a matter of liberty and self-determination.

Privacy remains your own responsibility.

Bitcoin: As the dust settles after the November 15 bitcoin upgrade, the roadmaps have been updated with the new state of the protocol and people are starting to looking ahead to the next set of features. I thought I’d take the opportunity to give my view on it.

The new set of features ahead has been published on bitcoincash.org, which is for the most part spearheaded by the Bitcoin ABC implementation, but where Bitcoin Unlimited also deserves significant credit for research and development.

This is the current “you are here” map as of end-2018:

I like this roadmap for two reasons. Or rather, for two levels of reasons.

The first is that I see bitcoin as the path to a world currency. In order to be so, it will need to carry an insanely heavier load, and because of the typical velocity of money, each bitcoin must be valued far higher than it is today — to a point where single satoshis are no longer a small unit, but represent maybe a few cents. That quanta (smallest possible discrete value) is not small enough to provide frictionless automated microtrade, which is why I’m looking forward to — and have been discreetly applauding — the fractional satoshis on the roadmap. The bigger footprint a network gets, the more inertia it takes to change something, so getting these two items in with reasonable speed is something I regard as key.

The third key item is extensibility — the ability to extend the protocol without asking permission, akin to how early browsers started supporting random new HTML markup tags left and right. This drove the standards forward and allowed for rapid feedback cycles with the user community, and something similar will be needed for permissionless innovation on top of bitcoin to really take off.

These three taken together happen to represent the final phase of the three tracks that the roadmap lists. I have some understanding that each of them have necessary prerequisites that are being filled in some sort of logical order.

This brings me to the Law of Two Feet.

You see, it doesn’t really matter what I think of a feature, whether I like it or not. I am a diehard proponent of the Law of Two Feet: It simply means that if you don’t like something, then it is your responsibility — both toward yourself and the community you don’t like — to walk to a place you do like.

(Just to be clear, the Law of Two Feet is inclusive. It also applies to people who don’t have two actual feet.)

This is what I worded as the Freedom of Initiative and the Freedom to Follow, and it is absolutely key for permissionless innovation. You don’t get that the moment somebody is trying to give somebody else permission on what road they may choose.

Each of us have the freedom to take any initiative we want.

Each of us also have the freedom to follow any initiative we like.

But no one of us may tell another what they must or may not do.

I happen to very much approve of the above roadmap from where I’m sitting. But even if I didn’t, the freedom of initiative and freedom to follow are far more important than my opinion on this particular initiative.