Investment Capital Account Management: 6% gross monthly profit in all accounts

Investment Capital Account Management (ICAM) corporation announces earnings of 6% gross monthly profit in the last 12 months for all its partners using artificial intelligence services.

ICAM holds the right to use theServer automated investment system designed by Cristian Păuna and developed by Algorithm Invest. The system is made available to all investors who want to make a profit in their own capital accounts. theServer operates on 17 international capital markets, using advanced artificial intelligence technology. The system includes over 2400 real-time data-mining algorithms to identify optimal trading opportunities in the short, medium, and long term and executes an average of 6.6 MIPS. The ICAM service offered to investors has achieved a 72% profitability in the last 12 months, equivalent to a monthly average of 6% gross profit.

The ICAM service offered to investors has achieved a 72% profitability in the last 12 months, equivalent to a monthly average of 6% gross profit. The ICAM service makes 80% of investments in stock indices (CFDs) of the major international stock exchanges from Frankfurt, New York, Zurich, London, Paris, Sydney, Tokyo, and 20% investments in currencies, gold, and German treasury bonds. The service is addressed to investors who want to invest the minimum amount of 100,000 USD or Euro, plus the allocated risk, which can be 10%, 20%, or 30% of the capital, at the investor’s choice. During the investment period, the capital remains liquid, deposited in the investor’s account, opened with an independent, authorized, and regulated brokerage company, with which theServer system is connected. The capital and the realized profit can be withdrawn anytime with no restriction or penalties from ICAM.

The cost of the ICAM service is 50% of the gross profit. There are no hidden fees or other taxes, and the service is billed only if the investor registers profit as a result of the service provided. ICAM service contracts are strictly confidential and can be concluded at any time, unconditionally. Investors, individuals, or companies, are invited to test the ICAM service with the minimum amount of capital, before making a significant investment plan. All ICAM service details, the tracking records, and all contact details are listed on

ICAM, artificial intelligence at your service.

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Sex as Stress Management in Microbes

Why is sex so popular? The question of why so many organisms reproduce sexually has mystified evolutionary biologists since before Darwin, who wrote that “The whole subject is as yet hidden in darkness.” In a recent article in Genome Biology and Evolution titled “What’s genetic variation got to do with it? Starvation-induced self-fertilization enhances survival in Paramecium,” the authors suggest that the molecular mechanisms underlying sex and the stress response may be more tightly coupled than previously appreciated, providing a new explanation for the widespread prevalence of sex in nature.

The existence of sex has puzzled biologists for over a century. Compared to asexual reproduction, sex has several disadvantages. The foremost of these is that each sexual organism produces only half as many offspring as asexual individuals. For example, if each adult has two children, two asexual individuals can produce four offspring, while two sexual individuals—one male and one female—produce only two offspring between them. From an evolutionary perspective, this is a staggering cost, even without taking into account other disadvantages of sex, such as the need to find a mate and the potential dangers of doing so (especially if you’re a male praying mantis or black widow spider).

Despite these costs, sex is widespread, with an estimated 99% of eukaryotes (cells with nuclei) reproducing sexually at least some of the time. This paradox has resulted in a number of hypotheses attempting to explain the near ubiquity of sex. According to Francesco Catania, lead author of the new study and a research group leader at the University of Münster, one popular explanation is that sex produces genetic diversity—this is why you and your siblings are not identical to your parents. The argument is that this genetic diversity may produce some individuals that are better adapted to changing or harsh environments. In contrast, asexual reproduction generally produces offspring that are each identical to the parent.

The single-celled ciliate Paramecium tetraurelia provides a fascinating counterpoint to this argument, as it can undergo both asexual reproduction and a version of sexual reproduction that notably does not produce genetic diversity (i.e. a kind of selfing). For most of their life cycle, paramecia reproduce asexually, with each cell splitting into two. When a cell reaches sexual maturity however, each paramecium may produce two identical sexual nuclei—similar to the nuclei that are present in sperm and egg cells. If another paramecium is not around to mate and exchange nuclei with, these two nuclei fuse with each other. The result is a type of sexual self-fertilization that can result in daughter cells that are genetically identical to their parents. Thus, in Paramecium, sexual reproduction can be uncoupled from the generation of genetic diversity, suggesting that there are other potential benefits to sex in this organism. Catania and his coauthors realized that this makes Paramecium a unique model in which to investigate and potentially identify these other benefits.

To identify other reasons that P. tetraurelia may engage in sex, the researchers followed cultures of paramecia over the course of eight days, beginning immediately after self-fertilization (day 0) and continuing past the point at which the cells again became capable of sexual reproduction (on day 6). Each day, they subjected a subset of cells to stress by heating them to a high temperature for just over a minute. Interestingly, they found that cells that had just undergone self-fertilization or that were preparing for sexual reproduction (day 0 and day 6 cells) survived the heat shock more often than those that were rapidly reproducing asexually. This survival advantage could explain why paramecia continue to engage in sex despite the fact that no new diversity is generated, and it suggests an underappreciated benefit of sex: enhanced survival in the face of stress.

This finding hints at a mechanistic link between sex and the stress response. The authors point out that many heat shock proteins, which are most well-known for their role in protecting against stress, are also involved in cellular processes associated with reproductive development and sex. It may therefore be that the increased expression of such proteins during sexual reproduction provides added protection from stressors.

How common is this relationship between sex and stress? While some aspects of Paramecium biology are unique, Catania notes that many unicellular and multicellular organisms engage in self-fertilization and, after several generations of this process, may produce offspring that are copies of their parents. In addition, many proteins involved in reproduction and the stress response are ancient and highly conserved across eukaryotes. Thus, a connection between sex and stress may be widespread, a finding that could have far-reaching implications. According to Catania, the results of their study lead to several new hypotheses about the origin and maintenance of sex: “First, the intimate association between the stress response and sex may have contributed to the persistence of sex in nature. Furthermore, these two pathways, often treated as unrelated, might in fact share a common evolutionary origin.”

Catania notes that additional studies in other organisms will be needed to test these ideas. However, there is reason to believe that their results may be generalizable to other species. “Over the years, research on Paramecium has yielded important insights in many areas of biology. This model has a lot more to offer despite its unusual biology, and we argue that it can be successfully used to gain new insights into many biological phenomena.”

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130 year old Trade Mark Owners Association relaunched following Investor-backed Management Buy-Out

The 130 year old Trade Mark Owners Association relaunched following an Investor-backed Management Buy-Out.

“A new company, with a strong heritage, ready to meet today’s challenges.”

Originating in 1886, Trade-Mark Owners Association (TMOA) has a proud history. It led to the expansion of global trade-mark protection as one of the world’s first Trade-Mark Attorneys. TMOA went on to represent global companies, including ICI, Heinz, Cadbury and Nestle. TMOA protected its clients’ interests through both World Wars, through both the Great Depression and the 2008 Great Recession. The present state of the global business environment heightens the need for the trusted expertise, dedication and experience of TMOA.

Now, over 130 years after its incorporation, TMOA is being relaunched by its attorneys and their colleagues, following an Investor-backed Management Buy-Out. The investment recognises the unwavering commitment, loyalty and professionalism of the TMOA team. It will enable them to take control of their business and build a truly client-focused, colleague-led practice that will benefit its clients, its global associates and its colleagues. The best legal trade-mark advice and services will continue, in a new way, led by a great team.

Earlier this month 99% of Nucleus IP’s stakeholders voted in favour of an Investor-backed Management-Buy-Out of the business, and on 19th May 2020 ownership of the business transferred to its attorneys and colleagues, its Pension Fund, and its new Managing Director, Paul Hayman.

The newly relaunched TMOA is again looking to lead the way, this time recognising that – more than ever – there is a need for a caring, compassionate approach that benefits clients, colleagues and partners alike. A new way of working that provides unrivalled service to clients, a better work/life balance and opportunities for colleagues, and trusted partnerships with associates across the globe.

TMOA’s Managing Director Paul Hayman said: “The world is experiencing extraordinary events so now is the perfect time to relaunch TMOA. We believe that now, more than ever, our clients and colleagues want a partner they can trust to provide excellent service and, as important, who they can trust to be compassionate and supportive. TMOA will be their loyal ally, protecting their interests, especially through the hardest of times. We draw on our proud heritage as we build a new enterprise for the future: one that will address the challenges and opportunities of the world we live in today. The old ways served us well for many decades, but the world has changed, and we have to find a better way.”

TMOA’s former Joint General Manager, Les Powell said: “Relaunching TMOA is a wonderful idea as it enjoyed so much goodwill from clients and agents around the world, with whom we encouraged the building of working friendships. Reviving this way of working, in an updated and modern way, will be a very good thing for everyone. TMOA will be a new company, with a strong heritage, ready to meet today’s challenges.”

Kishor Davdra, who joined TMOA in 1972 and was Company Secretary and Joint General Manager from 1986 to 1999, added “I am delighted TMOA is being relaunched. It is especially cheering to see its return now. TMOA has always offered protection and stability in an uncertain world. I was so proud to be a part of it.”

About Trade Mark Owners Association (TMOA)

TMOA has been involved in the protection of trade marks for over 130 years and has protected the trade-marks of thousands of companies, from entrepreneurial owner-managed businesses, to global multi-nationals; doing so globally in every country where registration is possible.

Services provided include: searching into the availability for use and registration of trade-marks; filing and prosecution of trade mark applications; the enforcement and defence of rights obtained; and the renewal of registered rights.

Most recently, TMOA has been helping its clients protect their interests through the current period of global uncertainty with two services that enable them to: watch for, and react to, trade mark infringements globally; and set up structures that efficiently insulate, and so protect, their intellectual property from trading risk. Both are becoming must-have “insurance policies” that effectively protect clients’ interests, and so mitigate business risk.


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New release sets the path for the future of visitor management

On Thursday 23rd April, one of the world’s fastest-growing visitor management apps, Sign In App, made their biggest step forward to date as they launched version 4 of their iPad-based app.

Work on (what would become) version 4 started at the end of 2018 when the team spent a few days of their holiday break reimagining how Sign In App could look as they moved into 2019 and beyond. As the year progressed, the scope grew; incorporating more and more ambitious ideas. By the summer of 2019 it was clear that a whole new app was needed and following six months of development and three months of testing, the Sign In App team were finally ready to release version 4 into the hands of their community.

Continual evolution of the product and platform is part of Sign In App’s DNA. If you’re a Sign In App subscriber or have followed them for a while, that won’t surprise you as you’ll have seen the fruits of the team’s labours each and every month. They look at where workplaces are heading and build useful features, releasing them at no additional cost to benefit the Sign In App community.

While no-one could’ve predicted the challenges we’re all facing today, the team are glad to hear that so many of you are using Sign In App to adapt; whether that’s switching to remote working with confidence, building detailed health questionnaires for contractors and staff or producing daily rundowns of key workers still signing in to the site.

Sign In App understands that visitor management might not be at the top of everyone’s agendas as they release version 4. But just like remote sign ins, each new feature gives subscribers more ways to customise the product, adapting it to suit their needs at the time. With that in mind here’s a quick overview of version 4 and why Sign In App feel it’s their biggest step forward to date.

Supporting new features
The team behind Sign In App are ambitious, talented and imaginative. Their roadmap is packed with ideas that they can’t wait to release and share with their community. Because the product evolves so quickly, it’s already radically different from the version 3 which released at the start of 2018. Back then, they were introducing GDPR features and visitor groups for the first time. In the months since, Sign In App has added events, companion app, Sign In App Tap, personal fields and many more.

By building a new app with version 4, it gives Sign In App the opportunity to take everything they’ve learned from a period of rapid growth and optimise the app, streamlining the code to create a new platform to support future projects. With a clear roadmap ahead, version 4 is ready for many new features to come. At launch, Sign In App is introducing video messages, message documents, video welcome screens, new evacuation reports, support for multiple sites and lots more. To read about 20 changes coming in version 4, click here.

More ways to customise
The Sign In App team has always been passionate about trying to provide the best sign in experience in the market. They do this by having a wide range of customisation options, a stable, secure platform and the simple sign in process that’s become their trademark. They’ve been amazed by the ingenious ways people use Sign In App, from signing out keys to signing in dogs, they’re constantly impressed by how their community uses the customisation options available to them.

As Sign In App continues to grow, customisation will remain at its heart with even more options to customise the sign in experience for your staff, contractors and guests. The new sign in experience in v4 adds an optional ‘light mode’ theme and support for videos throughout the application to give you more ways to stand out, promote your brand and share important site information.

Improved accessibility
The team is proud of the feedback they get around Sign In App’s usability and intuitiveness. That applies across the board from the online portal, to the companion app for smartphones and of course the iPad app for receptions. Many people who sign in to site via the iPad are using the product for the first time, so it’s critically important that the experience there is simple and self-explanatory.

It’s equally important that the app itself is accessible, allowing guests of all ages and levels of technical experience to sign in unaided. It’s one of the main reasons the Sign In App team chose a touchscreen (iPad, for its familiarity at home) and suggest using landscape orientation (for the largest onscreen keyboard). This has helped Sign In App become popular in sectors such as care homes and charities where the user base is wide and varied.

Never content to rest on their laurels, the team want to do more to ensure Sign In App is the most accessible visitor management solution in the market. Version 4 introduces improvements across the board with larger and heavier fonts, clearer buttons and audio feedback such as button sounds and spoken messages. The optional new sign in experience takes this even further with larger custom fields and more accessibility options including button and font sizing.

Sign In App continues to work with their clients who regularly sign in visually impaired guests to ensure the changes they’re bringing are helpful and encourage feedback from their community around any accessibility issues they’d like to address.

Version 4 of the iPad app is a leap forward in accessibility and usability, with more customisation options than ever and an interface that’s still simple to use. The team at Sign In App are looking forward to getting it in your hands and remember, version 4 and all the new features are included at no extra cost as part of your Sign In App subscription.

If you have any questions about Sign In App, send them an email at or start a live chat online at and the team will be happy to help.

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Work management platform Kantree extends its free trial to 90 days to support remote teams during the outbreak of COVID-19

PARIS, March 27, 2020: The development team of Kantree by Digicoop has announced the extension of its 30-day free trial to 90 days, in an effort to support businesses moving to remote work during the COVID-19 epidemic.

In addition to the standard 30-day trial period, Kantree is offering an extra two months of free use, without any limitations, to all new customers who request the extension online by April 30, 2020.

“As a remote-first team, we believe that remote work is the future, but realize that it can be a challenge for companies who are new to it,” says Mr. Bouroumeau- Fuseau, co-founder of Digicoop and developer at Kantree. “Thanks to our platform, thousands of people already work remotely. We help them change work practices and provide long-term support, driven by our cooperative values. The trial extension is our gesture of solidarity towards the business community during this global crisis.”

Kantree allows teams across departments to keep track of communication, know who is working on what at all times, and easily plan upcoming projects. All this can be done 100% remotely, on any device. Kantree replaces documents and gathers information from emails, Excel and Word in one place. The flexible and easy to use platform can be used across departments (sales, marketing, finance, business development, HR, IT etc.) and is as a mix between Trello and Airtable.

With more than 12,000 users, Kantree has been trusted by major enterprise customers in Europe and beyond, such as Orange or Thales Digital Factory in France. After nearly five years in operation, the company continues to expand internationally.

About Digicoop & Kantree 

Digicoop, the company behind Kantree, was founded in France in late 2015 by a team of engineers fed up with the tools available in their former jobs. Rather than yet another cookie-cutter tool, they wanted one that would allow any other teams to get organized in their own way. Pushing their thinking further, they realized that making self-organizing businesses work required shared ownership, transparency and trust. For this reason, they decided to create one of the first employee-owned (co-op) startups.

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UK-based Consent Management Service calls for a rethink of online privacy

Privacy & Cookies CEO advocates 3 step approach to greater overall compliance to benefit users and website owners alike

LONDON, UK; 5 March 2020 – In the wake of a damning study on internet privacy released in August 2019 by MIT, UCL and Aarhus University, a UK-based company, Privacy & Cookies (P&C), is advising businesses to completely rethink the way they are managing their user’s privacy whilst browsing online.

The paper entitled, “Dark Patterns after the GDPR: Scraping Consent Pop-ups and Demonstrating their Influence,” estimated that only 11.8% of the top 10,000 websites in the UK are currently compliant, with General Data Protection Regulation (GDPR), the European privacy law, despite all deploying one of the 5 leading CMP solutions (by market share) on their websites. The report concluded, “11.8% is an extraordinarily low number for seemingly market-leading CMP vendors”.

Years of experience and technology development of automated compliance software has led P&C to develop the first solution that meets current ICO and DPA regulatory requirements. It’s a proven, compliance-led Consent Management Platform that is focused on gaining visitor trust and earning consent.

Lawrence Shaw
Lawrence Shaw

“We believe that user’s privacy has been abused for too long,” says P&C CEO, Lawrence Shaw, “The ICO, UK (DPA) Data Protection Authority, among others, has now laid down very specific rules as to what is deemed acceptable and this means the vast majority of websites will need to address their use of cookies and bring their sites into line. Our advantage is our service is built and ready to meet this requirement. Our automation removes inconsistency and offers secure, efficient, fully scalable deployment.”

Shaw advocates a three-step approach to greater compliance for website owners.

1: Don’t assume compliance
Website owners should not be setting non-essential cookies before visitors have consented. Instead, website owners should be confirming the purpose of each ‘essential’ cookie and ensuring that they meet the regulators definition of an ‘essential’ cookie. No further cookies should be set until consent has been earned.

2: Review the user-experience
Website owners should be aiming for consistency across sites so that visitors don’t get confused. At the same time, they shouldn’t expect visitors to wait while a consent management system opts out of cookies before offering the content or have to be redirected to different pages for more information. And, most importantly, they shouldn’t ask the user for consent and preferences, only to ignore them.

3: Use the anonymous cookies checker
Shaw suggests assessing your website for the likely level of privacy risk using the Cookies Checker at This free tool allows users to find out what cookies are actually being set by a website, ahead of visitors’ consent being gained and returns results in about 90 seconds.

“A new dawn is upon us, one ensuring transparency underpinning trust,” says Shaw, “We need to rethink privacy, not only because the regulation has been clarified and enforcement has begun, but because it’s time to appreciate the value of trust and earn consent.”

For further information or PR enquiries please contact:

Privacy & Cookies
Twitter I Linkedin

tel:  07771 848 294

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Food production health & safety: why visitor management apps have the perfect recipe

Health and safety – the most significant words in the food production space. There’s various legislation that food production organisations must follow which require them to present certain policies, agreements and questionnaires to both visitors and staff.

Whilst companies are aware of this and have procedures in place, it’s often no fun for the receptionist or the visitor – pages and pages of paper to complete is not the way you want to welcome your guests. Not to mention, once they’ve filled out a questionnaire it’s not all done and dusted; this needs to be read through to double-check whether they can go into food production areas.

With advances in technology, food production facilities can now ditch the pen & paper and maximise their health and safety compliance with a visitor management app. Below are just a few of the reasons why visitor management apps have the perfect recipe for food production organisations.

Present relevant health and safety policies

Various visitor management apps now allow you to automatically present policies and agreements to those signing into your building; so there’s no need to rummage around trying to find the paper version. You may also prompt visitors to perform an action such as ticking a box or signing their signature to agree that they have read the policy.

Many of these apps also give you full flexibility to change the content of policies, agreements and questionnaires so that they’re bespoke to your organisation and can be easily updated when required should the content need to change.

You may also have the option to choose which content you present to which groups. For example, you may not need to show all policies and agreements to the visitors that are not visiting the production areas.

Control who enters the food production areas

In a food production facility, there needs to be control over who enters food production areas for health and safety purposes. Health questionnaires are used to find out whether there are any reasons a person should not enter a food production area such as having an illness which could cause a risk of contamination.

A visitor management app can enable you to get your visitors to fill out the health questionnaire through the app rather than filling out a paper copy; this can automatically be presented to them when signing in. Some apps may then allow you to have your visitor’s answers communicated with relevant people in the business. For example, if someone answered ‘yes’ to a question regarding an illness, you can set the app to notify relevant people to deal with this.

Emergency evacuations

Food production facilities should have a strict emergency evacuation procedure in place in case of fires or major incidents. In these instances, it’s crucial that you know exactly who has been in the building during the day. This isn’t always a quick process when using a paper visitor book.

A visitor management app can make emergency evacuations much smoother. Some visitor management apps have a mobile version of the app where you can access an accurate, up-to-date evacuation list of who has been in the building. You can then identify who is present when taking a roll call and if anyone isn’t present you can locate them by seeing who they were visiting. You may also be able to assign different evacuation points to different groups.

Sign In App is a visitor management app that can do everything mentioned above. If you want to improve health and safety compliance in your food production facility, get in touch to find out more about how Sign In App can make your processes simpler. Send us an email to or give us a call on 0333 016 3551. Alternatively, if you’ve already got an iPad then you can get started now with our 15-day free trial here .

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KYND products selected to join Beazley’s suite of cyber risk management services

Global specialist insurer includes KYND’s pioneering products in
cyber protection offering.

KYND Limited, provider of pioneering cyber risk management products, today announced that specialist insurer Beazley has selected KYND to join their suite of cyber risk management services for international policyholders.

KYND products will be available through Beazley’s offering, which includes pre-breach and risk management services. International cyber policyholders will now have unlimited access to KYND to monitor cyber risks and alert the policyholder of new and potential risks as they arise.

Andy Thomas, CEO, KYND says “We are delighted Beazley has chosen KYND for their recently launched cyber risk management suite and applaud their recognition that helping to prevent incidents in the first place is a critical benefit to organisations. KYND products have been designed to help businesses monitor their cyber risks, simply, quickly and easily without the technical jargon and drama and align perfectly with Beazley’s 360º cyber protection offering.”

Raf Sanchez, International Beazley Breach Response Services manager at Beazley, says “Helping our policyholders prevent incidents is critical. After conducting a review of cyber risk products available in the market, we found that KYND’s innovative cyber risk products best complemented our suite of services. Its use of newly developed and proprietary technology to show cyber risks in a simple and easy to understand format really stood out for us.”

About KYND
Founded in March 2018 and headquartered in London, KYND is a new breed of cyber company. KYND makes complex cyber risks simple to understand and manage for every organisation, regardless of size, means or industry sector.

About Beazley
Beazley plc (BEZ.L) is the parent company of specialist insurance businesses with operations in Europe, the US, Canada, Latin America and Asia.  Beazley manages six Lloyd’s syndicates and in 2018 underwrote gross premiums worldwide of $2,615 million.
All Lloyd’s syndicates are rated A by A.M. Best.

Beazley’s underwriters in the United States focus on writing a range of specialist insurance products. In the admitted market, coverage is provided by Beazley Insurance Company, Inc., an A.M. Best A rated carrier licensed in all 50 states. In the surplus lines market, coverage is provided by the Beazley syndicates at Lloyd’s.

Beazley is a market leader in many of its chosen lines, which include professional indemnity, property, marine, reinsurance, accident and life, and political risks and contingency business. For more information please go to

Contact details
Issued by: KYND Limited
Contact: Melanie Hayes

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Why cashflow management should be your 2020 New Year resolution

For many of our clients, who are technology start-ups, specialist manufacturers or SME’s, cash is a major concern. And it’s not just our clients, all of the most recent administrations were by businesses who had run out of cash. In fact in a recent discussion among the Practical CFO team, we could only recall two companies that had not closed because of cash shortages (The News of the World and Anderson Consulting where reputational damage led to their closures).

Here at Practical CFO, we’ve put our heads together and compiled the following Practical ways to manage your cash flow;


Forecast your cash in and out flows daily for a minimum of the next 30 days (90 days is even better). If you can, produce a best, better and worst-case scenario. The more you know about the payments you have to make, and the cash you may or not may not receive, the more warning you will have of cash flow tight spots. Don’t forget to add statutory payments such as PAYE and VAT. Knowing your future cash position will allow you to take early corrective action. There is nothing worse than knowing that there is no money in the bank to pay the wages when it is too late to do anything about it.

Also ensure you know who and where future invoices should be sent, with the correct details included such as purchase order numbers. Some companies make an art form of not paying an invoice because it doesn’t have all the details they require, so it is essential to address these requirements when preparing the contract.

Better by design

Think about the timing or when you pay your costs compared to when you get paid;

• Add an up-front deposit and staged payments to your contract’s terms. An installer client of ours realised that they paid for all materials and subcontract labour before they even invoice their client let alone get paid! We helped change some of those contracts but also improved processes so that the client could borrow against part completed work.

• Software as a Service (SAAS) doesn’t have to equal monthly payments from your clients. Often clients are so large that it simply doesn’t matter to them whether they pay a year in advance.
• Prioritise where you spend your cash as you grow. We worked with a manufacturer recently who would happily build a stock batch that could last a year, but not have any cash to build another stock line…simply dealing with batch sizes improved sales cover, revenue and cash flow.
• Consider paying all your staff monthly: We know this will be industry specific and may not possible in an existing business, but it should be considered if you’re starting out. This can remove the stress of needing to manage your wage bill on a weekly basis.
• Pay your suppliers once a month (particularly overheads), and only pay those that are due or overdue. It won’t hurt your relationship if your supplier knows that you always do a payment run on the last day of the month. They’ll be able manage their cash flow, and you’ll have a chance to get cash from your customers before paying your suppliers. Beware the contractor who expects to be paid when they submit an invoice!
• Minimise the number of suppliers you pay by direct debit. Admittedly there is nothing you can do about the credit card repayments or bank charges (and they always make sure they get paid) but do you really need to have a direct debit for your business rates or utility bills? Give yourself as much flexibility as possible when it comes to making payments.
• Pay for large capital items via a lease or a loan. Using debt means you can spread the cash impact over months or years. Keep an eye on interest rates and shop around for the best deals, and beware of the tanned photocopier salesman bearing paper gifts…

People pay invoices

Invoice promptly: send yours by email as soon as possible after the service or goods have been provided. There is research that suggests the quicker you invoice, the more likely you are to be paid quickly. Always take advantage of the goodwill people feel towards you when they’ve received great service.

Chase your overdue invoices promptly and get closer to the purchase ledger staff in your customer’s business. The more they know and like you, the more likely they are to put your invoice in the next payment run and even add you to the list when their own cash flow is tight. Build a relationship and if you need to, keep notes about their children, pets, football club or past times. Asking about Tiddle’s last visit to the vet will – literally – pay you dividends.

As your business grows you can access other sources of cash, such as invoice factoring, bank loans, or external investors. If you would like help managing your cash or other aspects of financial management then contact us on

Angela-Marie Graham – Consultant CFO – Practical CFO Ltd

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