Internet Marketing for Starters – Common Problems of Internet Marketers
Not all stories behind internet marketing are happy and successful. There are sad stories of which some internet marketers had never survived in their online business journey. Perhaps, there are some things that they have overlooked. There are also other online marketers who are encouraging others to be one like them giving them promising outcomes when they indulge in the online business industry. With this, they rush to establish themselves and just make their own way to make money online.Without proper guidance and research, online business will not flourish. In internet marketing, you have to be aware of many things especially when you go out in the open and market your products and services. In this article, let me share to you some overlooked matters in the field of internet marketing. This will also be your way to be reminded of what is necessary in the business and could be your hint to start your online business journey.Online marketing should always be constant. You just don’t let your site earn for you. You have to employ some strategies that will move you closer to your niche market or target market. This means that you have to go out in your comfort zones and immerse yourself to the zones where profit can be earned. You may have read some accounts that speaks how easy internet marketing is. Indeed, it is easy but you have to exert an effort to establish your online business and your reputation in your niche. Thus, internet marketing means work, work, and work!Another thing that you should be aware of is that nothing happens overnight. For you to hone and attract your target market, time is crucial. You can’t just push them right away to support your products and services. It always takes time. Never lose focus if you have not generated any sales within the first stretch of your online business. This is why other internet marketers never survived in the industry because they lose focus. Employ the many strategies in store for you. After that, sort out those strategies and focus on what will help you a lot. Always look for strategies that work for you.In your effort to excel in your online business, you have to give time and effort in order to have a worthwhile online business journey. Losing your focus can kill profits! Do not do other things which are not related in your marketing campaign or in your niche. This is sometimes the problem when internet marketers are not taking the right action. Since you are not yet established, monitor the market very well. If you find any problems, then, revisit right away to know the cause of these problems. With this, you should always have the proper mindset.Having a proper mindset will make you cool down. Some online marketers are very negative in their outlook. That is why things would turn out negative. In your struggle to be known in your niche market, you have to know whether you have done the right thing or not in your marketing campaigns. If not, you have to learn from the mistakes that you have committed and try again. Always think positive!To make money online can only be easy if you are already established. If you are not, you have to work hard to establish your online business and reputation. Do not be discouraged. Successful online marketers were like you before. Thus, it is not impossible that you will attain what others have attained.
Why Cloud Storage is a Better Idea for Small Businesses
Like big businesses, small businesses have varied requirements from infrastructure, IT deployment, daily operation, and manpower to data management. However unlike big businesses, small businesses have budget constraints that often limit their scope of expansion and expenditures in the needful projects. Despite the limitations it doesn’t mean that small businesses do not have options. In fact there is a plethora of options available for small businesses to fulfill their wide-ranging business requirements.One of such options is cloud storage, also called as online storage, for data management, which is the biggest need of small businesses. Cloud storage is an answer to all the prayers related to data backup and restore of small businesses which are more prone to data loss/damage as compared to large businesses. According to a survey, 70% of the small businesses shut down within one year of their operations after they suffer major data. According to a survey conducted by Sage North America, about 62% small companies do not have a proper disaster recovery plan in place for safety from catastrophic disasters, man-made debacles, accidental deletions, thefts, power outages, hardware failure. In the same survey, it was concluded that around 33% of the businesses do not have data backup and recovery plans in place because there hasn’t been observed any catastrophic disasters or emergencies in their areas while around 30% said that “have never thought about it”. Around 28% of the participants said that they regularly back up their data because they have major data losses in the past.This is the poorest scenario for any small business that needs to be able to run properly without facing operational hitches which may occur and recue in the absence of a proper data backup and recovery plan. If you run a small business from your home or office, you can understand how vital it is to keep your data organized and safe to be able to meet the tailor-made demands to your clients, protect your business ideas and information from competitors, and from employees who might take advantage of your personal or professional information for monetary purposes among other things.The question that arises here is ‘why small businesses do not pay attention to data backup and recovery plans when they cannot prevent a tornado or other such catastrophic disasters, accidental deletions, thefts, power outages, or hardware failure for that matter from occurring’? Small businesses may be taking this risk because data management is not affordable for them. Besides, regular data backups and recoveries on several devices involve lots of hassles that put them off from maintaining proper data management plans. However with the onset of cloud storage, it has become extremely convenient and affordable for small businesses to maintain data. Businesses can back up their data as many times as they want and access it anytime, anywhere from their computers, Smartphones, tablets, servers, and networks etc. connected to the Internet.Since your data is stored in a cloud server, which is the only place for all your digital possessions viz. emails, contacts, documents, images, family videos, music numbers, social network updates, and bank details etc., the cost of regularly data backups and recoveries drastically come down. It’s is because you don’t have to use multiple hard disks and/or USB devices to store your data. In the cloud server, your data is stored once and forever. You can access, add, delete, edit, re-edit, backup and restore your business data as many times as you want without going through the lengthy and cumbersome procedure.In fact the data stored in a cloud server remains protected and safe from the tactics of hackers. Besides, cloud storage services are scalable as you can store higher volumes of data according to your needs. With cloud storage, it only takes a computer, server or mobile device with an active Internet connection or Wi-Fi to be able to manage the data. Such a flexibility and convenience is absent from the external storage media on which the cost of backing up and recovering data is also very high, in fact the highest.Considering that cloud storage is the only contemporary, affordable, and viable solution for small businesses and users, several major tech giants including Microsoft, Amazon, Google, Netgear, and McAfee among others have come up with integrated cloud storage. Cloud storage is around 1,000 times more affordable than the external backup media whose reliability and safety are always at risk due to environment, physical conditions, catastrophic emergencies, accidental deletions, thefts, and other contingencies. Thus, if you own a small business, make sure that you cloud-power your data. It’s your choice to keep spending big money on the external storage media or spend only once and forever with a cloud storage services. It’s your choice if you want peace of mind or want to constantly run around losing business, clients, and money.
How to Choose a Health Club – 12 Things to Know
Health clubs, gyms, and fitness centers come many shapes and sizes. Ranging from simple workout spaces with fitness machines, to high tech, fully functional beauty and spa. To make sure you get your moneys worth, and you get your needs met as much as possible, take these steps into account.Type of Health ClubNormally there are 2 types of work out facilities, but house different names.
A Gym is usually just an exercise facility with work out machines and trainers. Typically these are used by body builders. They would have showers, lockers and usually a pool and jacuzzi. These gyms can come in many sizes ranging from very large and fully functional to simple with weight machines, trainers, showers and lockers.
Health Club or Fitness Center. These also come in different sizes but are more likely to be fully functional all the way around. Fully high tech exercise equipment, exercise classrooms, exercise classes of different types (Aerobics, Yoga, Jazzercise, different dance styles in aerobic format, exercise ball, belly dancing, Taebo, kick boxing), large swimming pool, jacuzzi, sauna, steam room, spa treatments, fat burning and slimming treatments, hair salon, beauty treatments, a healthy snack bar, specialized trainers, lockers, showers, and large areas for dressing rooms.
Not all health clubs will have all of these facilities, which is pretty much where price comes into the picture. The fancier and more optional the club the more expensive the membership.LocationIn order to save time, money and get the most out of your selection, consider a health club near either your home or your office, depending on your personal choice of workout time and time saving needs. Take into account the following;
Your busiest days of the week
Traffic
Daily and weekly time constraints
Extra curricular activities
Kids activities
Your child’s school location (if working out before or after your drop your child to school), and cost of gas if you’re driving.
Fitness TrainersIf you are looking into having a fitness trainer then I suggest you briefly interview the trainers when you visit the facilities you are thinking of joining. Look for the following qualifications:
How long they have been in the field?
Where did they previously work?
What is their area of expertise?
Mention to them your specific needs and pay close attention to how they answer you and if they give you any suggestions on how to begin your quest for fitness.
Look for an up beat, positive, fun personality.Trainers that house these personal traits are often more convincing, more motivating, and can keep your workout as fun and positive as possible. They will also motivate you when / if you feel like giving up, and can get you over the hurdle when you first start.
When you interview the trainer with a small chat, give them a little test without them knowing it. For example: if you are someone who’s main focus is on losing belly fat, then do some research online first. Learn the most effective exercises today and learn the ones that experts say don’t really give the most beneficial fat burn. When you talk to the trainers tell them you are wanting to lose belly fat and what exercises would they recommend. See if they give you the old exercises or the most recent ones. Trainers, like doctors have to keep up with the ever changing information in the field of exercise and fat burning.
When you visit the facilities watch the trainers with clients that are over weight or struggling. See if the trainer is just simply counting out the number of exercises, or are they paying attention and correcting the persons posture, and are they giving the person motivational chat. You are looking for trainers that give more than just counting down the number of reps. They should correct posture and give motivational chit chat here and there.
A good trainer wants and needs to see his pupils persevere and succeed. This is the type of trainer you want. Not just someone going through the motions til the end of the day.
EquipmentWhen you visit the facilities look at the equipment and assess on the following;
Is the equipment up to date, clean and in working condition?
Are they solid on the ground or do they wobble?
How many of each type of machine is available? How many tread mills are there? How many bicep machines are there? How many stair masters are there? This is important because you don’t want to have to wait too long in a line to use the machine you need.
Before you begin visiting the different facilities, get an idea of what body parts you will be wanting to work on so that you can scope out how many machines are available for that particular body part, at each facility you visit.
Check the spacing between each of the machines. Make sure they are properly spaced for safety reasons, leaving enough room for people to safely move around them without disturbing your work out. You should not have to stop in between sets to let people pass by.
Take note of any broken down machines. How many are broken? If a few are broken this tells you that the repair service might be slow, as usually 2-3 machines don’t break down at the same time, so there could be a delay in the fixing of the equipment for whatever reasons. Don’t be afraid to ask the management how long it takes them to repair any broken equipment.
MembersVisit the facility in question at the time of day you are likely to hold your workout. Look for the following;
Is it very crowded? A crowded workout place can mean, no matter if they have several machines of the same type, you will be waiting in line for quite sometime to gain access to the machine you need. It can also mean a louder atmosphere and possible waiting time for showers, lockers, etc
The type of members in the workout area can either be of assistance to you or annoying. Members who use the gym for social hour can be annoying, as they take up time on the machines they aren’t really using and spend the workout time chit chatting to their friend. Or, chatting constantly on the phone and talking loudly.
Are they following the clubs dress code? Dress codes are put into place for several reasons, health and cleanliness being one of them. You don’t want to work out with people who do not respect the dress code, are constantly talking or conducting business on their phones, or fighting over the volume of the music in the workout area.
Look to work out with members that are serious about their work out and can be of motivation to you.
Health Club StaffThe staff of a health club is also an important area to look for when you are making a health club choice.
The staff should be friendly and helpful. Not bored, chatting on their phones or having a social hour with members.
Staff should know how to operate each and every piece of exercise equipment and should be keeping the facility clean and tidy, especially if it is a busy place.
The staff should be knowledgeable in the clubs facilities.
They should be clean and tidy in their uniforms and should not be working out while on duty.
Higher level staff members should be trained in emergency procedures, such as mouth to mouth resuscitation, Heimlich Maneuver, handling a muscle pull or related injuries.
Health Club InteriorOnce again, visit the facility during the time you are likely to go for your workout. Assess the following;
Is the club clean and tidy, regardless of how busy they are?
Are the bathrooms and changing areas free from used towels, paper towels, etc
Are the facilities in proper working condition? Toilets that flush, jacuzzi, sauna, and steam room working. Take note of how occupied these areas are. Would you have to wait to get into the sauna, steam room, jacuzzi, shower or bathroom?
Are there enough showers to accommodate the load of members they have? Or does the club appear to be over occupied?
The floors should be free of water for safety reasons. A little water is OK but water all over the floor should be mopped up quickly.
Are there proper emergency exits?
Is the health club facilities and layout user friendly and free from clutter and staff and members personal belongings?
Health Club ExteriorA person wouldn’t think this area is so important but time is usually something we all struggle with and if you have kids, or an extremely demanding job, then workouts tend to take the backseat to everything else.
The time it takes you to get into the club and get out of the club should be importance to you if you are a person struggling with time on a daily basis.
For example: I had a membership at a health club that I loved for many reasons but when the membership finished I did not renew it because of the time and inconvenience to get into the actual health club itself. I had to walk across the parking lot due to lack of spaces close to the entrance, through the hotel, up an escalator, down a long hall, through another set of doors, then again down a flight of stairs until I reached the entrance. Leaving the club was the same distance. I didn’t mind the walk but I did mind the wasted time it took me going to and from the facility. I also didn’t particularly care for walking through a 5 Star Deluxe Hotel in work out clothes.
The exterior should also be cared for and kept clean of litter, broken down cars taking up parking spaces and solicitors. The Club should also have ample parking to save you time from having to drive around looking for a parking space.
Consider Your Personal DesiresFor most people embarking on an exercise plan isn’t really something they look forward to. If you are someone who loathes exercise but knows it is part of keeping healthy and fit then assess your personal needs and make the health club fit into those needs as much as possible. If you love to pamper yourself and find it is something that may help you make it to your workouts then consider joining a place where you can also look after your skin and beauty needs or whatever areas you like to pamper yourself in.I personally love the steam room and have found it very useful when using skin polishing and skin care products. So for me, I think of how much relaxation I will get when I finish my workout and relax in the steam room while my skin goodies work their magic. I also increase my workouts every 3 weeks so a jacuzzi for soar muscles is an absolute must. I hate carrying my large and heavy gym bag every day so I looked for a club that would let me have my own locker and key if I take a one year membership. I admit I got lucky with the locker but don’t be afraid to ask for the little things that give you comfort and ease.The point is, think about your personal loves, and enjoyments and fit those into your routine as much as possible. This will help you make it to your workouts and struggle a little less to get there. And, when you really go for it, and you are sticking to it, give yourself a reward at the end of each month – not for losing the weight, slimming down, or building muscle, but for your efforts and perseverance.Assess Your Motivation Level and Personal Perseverance QualitiesThink deeply about your level of motivation. Are you a person who can push themselves even when you hate doing something? Can you continuously push yourself? Or, does it take you time to get motivated? Do you quit things and then start up again and then quit until it finally sticks with you?This is important to your selection process. Joining an expensive health club when chances are you might quit after a few weeks is only going to waste your money and frustrate you even more when you quit. It is better to gain your motivation and get used to exercising using a cheaper facility and pay either monthly or quarterly. This way, if you quit after a few weeks you will not have wasted money. Once you get used to working out and it becomes easier for you, you can always go for the up market health clubs.If you know that you will never be motivated without all the good stuff then join a fully functional club but pay monthly or quarterly until you are sure you are going to be using your membership to it’s fullest. Then consider a yearly membership which will usually save you a few bucks.If you think you will feel self conscious at a public health club facility then do your workouts at home until you have accomplished enough of what you need to, then consider membership when you are comfortable with yourself and your accomplishments.Organizing TipsThere can be many health club facilities in your area and narrowing down the search can be a task on it’s own Here are few things to help speed up the process and keep you organized in your quest.
What is your budget? Decide your budget and go from there.
Use the phone book and write down the health clubs that fit your location preference.
Write down the address, telephone number and website address if they have one.
Use the health clubs website to find out details that might help you narrow your search and save time by not visiting clubs that do not suit your preferences.
Call each place and tell them you are coming in for a tour of the club and would like to meet with someone who will show you around. Give them a time you will come to ensure someone is available to give you a tour and hopefully not make you wait. You may want to use this time to find out their pricing scale if it wasn’t on their website. Maybe they are out of your budget so you don’t need to waste time on seeing their facilities.
When you are ready to start visiting the facilities you have narrowed down, choose a day that you don’t need to rush and can take your time. Get directions if you need them so you don’t waste time getting lost. Make sure to take the telephone number of the clubs with you in case you get lost you can easily call them.
Make a note of how much time it took you from your house to the club and back. Try and visit the clubs at the time you would normally go for your workouts and assess the traffic at that time to each of the clubs.
Take notes on each club you visit in order to properly assess your findings when you get home.
See if you have any friends or relatives that have membership to any of the clubs and get their rating of the facility. You can also see if that club has a special offer for existing members that bring in business. Sometimes health clubs have special offers where the existing member gets a discount if they renew their membership and the new member will get an immediate discount or coupons for free classes.
Write down the pros and cons of each club.
Get your kids working out with you!If you have kids, see if the health club you choose has kids workout classes. You can both work out and motivate each other and talk about your successes, difficulties, and strengths. You will also be motivating your kids to keep fit and healthy as they watch you do the same.Before selecting a health club look closely at your own personal needs and desires first. Closely assess the clubs facilities and ensure they are in good working order and condition. Make sure the staff are professional and fitness trainers are educated in their field and posses motivating qualities. Look closely at the interior and exterior of the club and assess safety and health conditions. Assess the type of members the club has by visiting each club during the time in which you plan to work out in order to gauge their members, trainers, equipment usage and cleanliness. Think of a health club as sort of a home away from home, so make sure your health club home is one that best suits who you are, what you need, and your personal attributes on a regular basis.
Best Automotive Gadgets in 2018
Top-rated automotive gadgets and gizmosBest car gadgets you should equip your carIn this new year it will be important, more than ever, to shop only genuine car gadgets and accessories, only using top-rated automotive gadgets you can drive safe and secure.In the online market we can identify hundreds of products and gizmos from this industry, using them you can stay safe and you can enjoy your driving experience. In this post we want to reveal some of the most well-known products related to the car gadgets industry.Fortunately, we like consumers, can shop from a lot of online stores, safe and secure, most important will be to identify those safe platforms, don’t spend your money on fake or low-quality platforms. Try all the time to read carefully the entire product description and don’t forget to check things about the warranty of your desired products.In the automotive industry we will discover more cool developments, every year, new cool technologies, gizmos on board of your vehicles, gizmos used like car accessories. Try to decide what you can use for long-term period of time and what are the benefits of those products.· Portable jumper starter kit – this amazing product can help you a lot, in those situations when you are alone and nobody can be next to you. Using this product for your vehicle represent a wise investment.Basically, this product it is a battery source that will help you to start your car easy and secure. You just must connect the clamps to the car’s battery.The most important is that the manufacture’s recommendation is to start your vehicle safe for up to 22 times on charge.· Smart Car Adapter – this great gadget it is developed by Automatic brand – it is a small car adapter that can be used safe and easy, you can plug-in this item to the on-board diagnostics port of your car. Using this tool you can obtain a lot of technical information about your car.This equipment can help you to identify different engine problems, warnings and errors, can show to you, to your phone via Bluetooth, where you parked, your trip history and much more information. Starting 1996, this product has a lot of updates and new and fresh releases periodically.· Discover the full coverage heated steering wheel cover – a great car gadget for you and for your beloved ones. It is the only battery-operated heated steering wheel cover that can help you keeping your hands warm during winter drives.Can be easily installed, it fits standard wheels 14 1/2 inch to 15 1/2 inch in diameter, heats up in ten minutes and it has up to three heat settings. The product can provide heat for up to 35 minutes and most important that the battery recharges in approximately three hours using your car 12 volt adapter.If you want to learn more things about the automotive gadgets and car accessories, please read more at https://en.wikipedia.org/wiki/Automotive_engineeringUsing some of these gadgets you can improve your driving experience and in the same time you can be prepared for some issues or unexpected problems.Not many owners are interested in equipping their cars with such devices and automotive gadgets but if they will take time to read and to find some interesting products, they will realise how many useful items can be bought at affordable prices. Good luck!
Nutrition and Nutritional Supplements for Your Health
Nutritional supplements help to maintain health of your body and to protect your body from diseases. But to know what nutrition supplements we need to take, we should have knowledge about nutrition and how it works.Understanding nutrition is very important for your health, because if your body doesn’t get enough nutrition, it becomes weak and more disposed to obtaining diseases. We need to understand it so that we can take care of our bodies to help it to function well.Nutrition is the study of nutrients and how it interacts with the human body. It is a study on how the body uses food as energy for its growth and activities. This leads to understanding how nutritional supplements is useful for the body.Macronutrients and the micronutrients are the two kinds of nutrients. Macronutrients, also called the “big” nutrients, are made up of proteins, carbohydrates and fats. Micronutrients, also called the “little” nutrients,
are vitamins and minerals. Both of these two types of nutrients are what our body needs to be healthy.Knowing about these two will give us a good understanding about what nutritional supplements we need to help our bodies to function well.Macronutrients – ProteinsOne of the major structural part of the body are proteins. The organs and muscles consist of proteins. So is the blood, cell membrane and immune system. The elements in proteins are called “amino acids”, which is found mainly in meats, dairy products, eggs, soy, fish and poultry.Macronutrients – CarbohydratesThe main source of energy for the each cell in the body and fuel for the body is carbohydrate. Carbohydrates is made up of carbon, hydrogen and oxygen. Carbohydrates are sugar, starches and fibers which are found in fruits, vegetables, grains, milk, syrups, honey and table sugar.Macronutrients – FatsFats is necessary for our bodies to be in good health, but as noted in the public eye, too much of it isn’t good for us. Fat provides linoleic acid to our body. Linoleic acid is a fatty acid necessary for our bodies growth, metabolism and healthy skin.Fats, also, help absorb fat soluble vitamins.The different types of fats are saturated fats, unsaturated fats, trans fats. also called hydrogenated fats, and omega-3 fatty acids.Saturated fats is found mostly in animal products like meat, dairy and egg. Also, some are found in some plant based sources like coconut oil.Unsaturated fats are commonly liquid at room temperature. They are found in most vegetable products and oils. Unsaturated fats are found mainly in fish, nuts, seeds and oils from plants.Trans fats are fats that are chemically processed that changes liquid oil into solid fats. It’s formed during the process of hydrogenation.Omega-3 fatty acids are called essential fatty acids and are important for our health but can’t be produced by our body. For this reason, omega-3 fatty acids must be obtained from food. Omega-3 fatty acids are found in fish and certain plant oils.Micronutrients – VitaminsVitamins are organic molecules that are vital in every living organism. Vitamins are classified as water soluble and fat soluble. Water soluble vitamins are vitamins that are easily dissolved in water while fat soluble vitamins are vitamins that are absorbed through the intestinal tract with the aid of lipids. Vitamins are important for normal growth and development and in various chemical reactions in the body. There are different types of vitamins. Each has its own function in our body that is why vitamins are essential in the body’s nutrition.Micronutrients – MineralsMinerals are inorganic elements, “non living” elements, that are relevant nutrition for humans, animals and plants. The human body contains lots of minerals. They are the main structural part of the body. Just like vitamins, minerals have significant function in the human body.I would like to mention that too much or too little of these nutrients are not a good thing for our health, but adequate amounts are necessary for our health.In future articles, we will get more detailed about the nutrients to get a further understanding of how it effects our bodies and to give us better understanding of how nutritional supplements will help our bodies for health.
Commercial Financing – The Benefits of Off-Balance-Sheet Financing
There are two different categories of commercial financing from an accounting perspective: on-balance-sheet financing and off-balance-sheet financing. Understanding the difference can be critical to obtaining the right type of commercial financing for your company.Put simply, on-balance-sheet financing is commercial financing in which capital expenditures appear as a liability on a company’s balance sheet. Commercial loans are the most common example: Typically, a company will leverage an asset (such as accounts receivable) in order to borrow money from a bank, thus creating a liability (i.e., the outstanding loan) that must be reported as such on the balance sheet.With off-balance-sheet financing, however, liabilities do not have to be reported because no debt or equity is created. The most common form of off-balance-sheet financing is an operating lease, in which the company makes a small down payment upfront and then monthly lease payments. When the lease term is up, the company can usually buy the asset for a minimal amount (often just one dollar).The key difference is that with an operating lease, the asset stays on the lessor’s balance sheet. The lessee only reports the expense associated with the use of the asset (i.e., the rental payments), not the cost of the asset itself.Why Does It Matter?This might sound like technical accounting-speak that only a CPA could appreciate. In the continuing tight credit environment, however, off-balance-sheet financing can offer significant benefits to any size company, from large multi-nationals to mom-and-pops.These benefits arise from the fact that off-balance-sheet financing creates liquidity for a business while avoiding leverage, thus improving the overall financial picture of the company. This can help companies keep their debt-to-equity ratio low: If a company is already leveraged, additional debt might trip a covenant to an existing loan.The trade-off is that off-balance-sheet financing is usually more expensive than traditional on-balance-sheet loans. Business owners should work closely with their CPAs to determine whether the benefits of off-balance-sheet financing outweigh the costs in their specific situation.Other Types of Off-Balance-Sheet FinancingAn increasingly popular type of off-balance-sheet financing today is what’s known as a sale/leaseback. Here, a business sells property it owns and then immediately leases it back from the new owner. It can be used with virtually any type of fixed asset, including commercial real estate, equipment and commercial vehicles and aircraft, to name a few.A sale/leaseback can increase a company’s financial flexibility and may provide a large lump sum of cash by freeing up the equity in the asset. This cash can then be poured back into the business to support growth, pay down debt, acquire another business, or meet working capital needs.Factoring is another type of off-balance-sheet financing. Here, a business sells its outstanding accounts receivable to a commercial finance company, or “factor.” Typically, the factor will advance the business between 70 and 90 percent of the value of the receivable at the time of purchase; the balance, less the factoring fee, is released when the invoice is collected.Like with an operating lease, no debt is created with factoring, thus enabling companies to create liquidity while avoiding additional leverage. The same kinds of off-balance-sheet benefits occur in both factoring arrangements and operating leases.Keep in mind that strict accounting rules must be followed when it comes to properly distinguishing between on-balance-sheet and off-balance-sheet financing, so you should work closely with your CPA in this regard. But with the continued uncertainty surrounding the economy and credit markets, it’s worth looking into the potential benefits of off-balance-sheet financing for your company.