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thePEBBLE - 08/05/04 - Cash Flow Problems Don't "Just Happen"
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TODAY'S TRIVIA - - -
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Is it true that some cicadas spend 17 years underground?
Are cicadas the same thing as locusts?
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ANSWERS TO YESTERDAY'S TRIVIA - - - -
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What, exactly, does your spleen do?
Scientists USED to believe that the spleen was pretty much
a useless organ, sort of like the appendix. But they now know
that the organ actually works to boost immunity and filter out
germs from the bloodstream. That doesn't mean you can't live
without a spleen. Many people who have lost their spleens to
injury or illness get along just fine. But they are more susceptible
to infection, particularly pneumonia.
What insect can produce almost as much noise as a rock concert?
The cicada. The loudest recorded insect on Earth, cicadas
produce calls that can be deafening, especially when hundreds
of male cicadas are competing to make their love calls the loudest.
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thePEBBLE CONTENTS:
1. STRANGE BITS AND PIECES!
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2. TITLE ARTICLE - - -
Cash Flow Problems Don't "Just Happen"
by Philip Campbell
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3. COMPUTER TIPS by Patsy Norlie
Re-Boot
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4. MEDICAL COLUMN by Karin Henderson
And More About Sprains and Strains
PART 2 of 2
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5. THE SAGA OF PINEHILL by Ken Darby
The incident
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6. OBSERVATIONS OF OUR BUSINESS
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7. THINK ABOUT THIS TODAY!
8. HA! HA!HA!
9. CONTACT INFO
10. THE LAST LINE - - - - -
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STRANGE BITS AND PIECES!
When blue whales are first born, they gain as much as 200
pounds a day while they are calves.
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TITLE ARTICLE - - -
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Cash Flow Problems Don't "Just Happen"
by Philip Campbell
You would be shocked and amazed at the number of businesses
that fail because the owner did not see a cash flow problem
in time to do something about it.
One thing I want to help you to see is that a cash flow
problem can almost always be seen far in advance - far
enough in advance to do something about it.
It is a myth (I'm trying to put this as politely as
possible) to think that cash flow problems "just happen".
Rarely is a cash flow problem a sudden event. It is almost
always something that accumulates over a period of time.
And it is not difficult to see it coming.
Joe Frazier, the famous boxer, said this: "The punch that
knocks you out is the one you didn't see".
What Joe Frazier was saying is that in boxing, if you see
the punch coming, you have a chance to react. You have a
chance to get out of the way. You have a chance to at least
"roll with the punch".
It's when you don't see the punch coming that you get
knocked out.
In business, if you don't see a cash flow problem coming,
then you don't see it until the problem has arrived on your
doorstep. Most people don't have a good view into what their
cash balance is going to be so the problem smacks them on
the side of the head without warning.
That's how businesses are ruined.
Even if you believe you will have a cash shortage in the
future, you still must see it - in advance. You must see it
clearly for what it is, how much it might be, and precisely
when it is likely to happen.
Then you can plan in advance exactly what you need to do to
head off the punch before it lands on the side of your head.
You can't have the punch show up at the last minute, when
you didn't see it coming. This kind of surprise blow will
knock you out. It could be the kind of blow that ruins your
business.
THE ALL-IMPORTANT CASH FLOW QUESTION
The most important single step you can take to head off a
possible cash flow surprise is to ask and answer this very
simple question:
What do I expect my cash balance to be six months from now?
Answering this question will force you to "focus forward".
It will force you to look at your business in a new and
revealing way.
It will pull you out of the past and into the future.
The key to answering this question is having a monthly cash
flow projection for your business for at least the next six
months. A schedule that shows your projected revenues and
expenses in the context of your beginning and ending cash
balance for each month.
I can't stress enough how critical this is to really taking
control of your business? and your cash flow. It's hard to
overstate just how important this is to everything you do in
your business.
YOUR FINANCIAL STATEMENTS ARE NOT THE ANSWER
A cash flow projection is very different than the basic
financial statements you use to manage your business each
month.
The standard financial statements that all businesses use
are not adequate for answering this question. Financial
statements are always historical, meaning they're always
presenting what happened in the past.
They are a bit like the rear view mirror in your automobile.
The rear view mirror is very helpful when you need to see
what is behind you. However, when you are driving down the
highway, your focus needs to be on what's in front of you.
An occasional glance in the rear view mirror is all that's
required.
You have to have a good clear view of what's ahead of you in
order to get where you are going safely. Look in the rear
view mirror for too long and you will soon be crashing into
something in front of you.
Cash flow projections provide the visibility you need to
avoid cash flow problems.
CREATING PEACE OF MIND
Remember, cash flow problems don't "just happen". They can
almost always be seen long before they ever happen. Your
job is to know what you expect the cash balance to be six
months from now. That way you're in control of your business
and your cash flow.
Use cash flow projections to make sure a cash flow problem
never catches you by surprise. They will provide you the
peace of mind that comes from knowing you have your cash
flow under control.
You CANNOT run your business successfully without them.
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Philip Campbell is a CPA and the author of the book:
"NEVER RUN OUT OF CASH, The 10 Cash Flow Rules You Can't
Afford to Ignore". Philip has helped hundreds of business
owners take control of their cash flow. You can learn more
about taking control of your cash flow and eliminating your
cash flow worries at http://www.neverrunoutofcash.com
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COMPUTER TIPS - - -
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Re-Boot
You know the times when you need to close down your PC and
restart it again immediately?
Like when you get an Error Message, or you're running short
of memory?
Instead of going to ...
Start
Shut Down
Restart
OK
Do this Hold down 'Shift' key (left hand side of your keyboard with
a vertical arrow on it)
Click OK while holding down the 'Shift' key.
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Thanks for your TIP today, Patsy!
Patsy can be reached at patsyy777@aol.com
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Once in a while we must give our head a shake just to
refresh in our mind what our real objective is.
---- Ken Darby
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MEDICAL COLUMN - - - -
And More About Sprains and Strains
PART 2 of 2
Sprains and strains are among the most common injuries in
sports. Here are some facts about sprains and strains from the
American Academy of Orthopaedic Surgeons. What is a sprain? A
sprain is a stretch and/or tear of a ligament, the fibrous band
of connective tissue that joins the end of one bone with
another. Ligaments stabilize and support the body's joints. For
example, ligaments in the knee connect the upper leg with the
lower leg, enabling people to walk and run.
What is a strain? A strain is a twist, pull and/or tear of a
muscle and/or tendon. Tendons are fibrous cords of tissue that
attach muscles to bone.
What causes sprains and strains? A sprain is caused by direct or
indirect trauma (a fall, a blow to the body, etc.) that knocks a
joint out of position, and overstretches, and, in severe cases,
ruptures the supporting ligaments. Typically, this injury occurs
when an individual lands on an outstretched arm; slides into a
base; jumps up and lands on the side of the foot; or runs on an
uneven surface. Chronic strains are the result of overuse -
prolonged, repetitive movement - of muscles and tendons.
Inadequate rest breaks during intensive training precipitates a
strain. Acute strains are caused by a direct blow to the body,
overstretching, or excessive muscle contraction.
Who gets sprains and strains? Professional and amateur athletes
and the general public, as well, can sustain this injury. People
at risk for the injury, have a history of sprains and strains,
are overweight, and are in poor physical condition. What
activities make athletes most susceptible to sprains and
strains? All sports and exercises, even walking, carry a risk of
sprains. The anatomic areas most at risk for a sprain depend on
the specific activities involved. For example, basketball,
volleyball, soccer, and other jumping sports share a risk for
foot, leg, and ankle sprains. Soccer, football, hockey, boxing,
wrestling, and other contact sports put athletes at risk for
strains. So do sports that feature quick starts (hurdling, long
jump, running races, etc.). Gymnastics, tennis, rowing,
golf-sports that require extensive gripping-have a high
incidence of hand strains. Elbow strains frequently occur in
racquet, throwing, and contact sports. What are the signs of a
SPRAIN? While the intensity varies, pain, bruising, and
inflammation are common to all three categories of sprains-mild,
moderate, severe. The individual will usually feel a tear or pop
in the joint. A severe sprain produces excruciating pain at the
moment of injury, as ligaments tear completely, or separate from
the bone. This loosening makes the joint nonfunctional. A
moderate sprain partially tears the ligament, producing joint
instability, and some swelling. A ligament is stretched in a
mild sprain, but there is no joint loosening.
What are the signs of a STRAIN? Typical indications include
pain, muscle spasm, muscle weakness, swelling, inflammation, and
cramping. In severe strains, the muscle and/or tendon is
partially or completely ruptured, often incapacitating the
individual. Some muscle function will be lost with a moderate
strain, where the muscle/tendon is overstretched and slightly
torn. With a mild strain, the muscle/tendon is stretched or
pulled, slightly. Some common strains are:
* Back strain. When the muscles that support the spine are
twisted, pulled, or torn, the result is a back strain. Athletes
who engage in excessive jumping (during basketball, volleyball,
etc.) are vulnerable to this injury.
* Hamstring muscle strain. A hamstring muscle strain is a tear
or stretch of a major muscle in the back of the thigh. The
injury can sideline a person for up to six months. The likely
cause is muscle strength imbalance between the hamstrings and
the muscles in the front of the thigh, the quadriceps. Kicking a
football, running, or leaping to make a basket can pull a
hamstring. Hamstring injuries tend to recur. How are sprains and
strains treated? Rest, ice, compression and elevation usually
will help minimize the damage. It is important in all but mild
cases for a medical doctor to evaluate the injury and establish
a treatment and rehabilitation plan. A severe sprain or strain
may require surgery or immobilization followed by months of
therapy. Mild sprains and strains may require rehabilitation
exercises and activity modification during recovery. PREVENTION
TIPS: No one is immune to sprains and strains, but here are some
tips developed by the American Academy of Orthopaedic Surgeons
to help reduce your injury risk: * Participate in a conditioning
program to build muscle strength * Do stretching exercises daily
* Always wear properly fitting shoes
* Nourish your muscles by eating a well-balanced diet * Warm up
before any sports activity, including practice * Use or wear
protective equipment appropriate for that sport March 2000
http://orthoinfo.aaos.org/fact/thr_report.cfm?thread_id=152&topcategory=foot
-------------------------------------------
Karin Henderson is a registered nurse and is thePEBBLE's
columnist for our MEDICAL COLUMN.
We appreciate her input very much. Thanks Karin.
You can send Karin questions at
mailto:kflh@prescotts-inc.com
Health Information Newsletter.
http://www.prescotts-inc.com
DO YOU PRACTICE SCOTCHING?
Remember send any email to -
mailto:scotchingkar@rr-email.com
There are no follow ups - this info is just for you.
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THE NET'S BEST KEPT SECRET
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THE SAGA OF PINEHILL
by Ken Darby
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Eloise Henry, age 18 when the story began
and David Wylie, age 20, were selected by a
stranger in town to take a dangerous trip,
together. The idea was that each was to take
only the clothes on their back and go
anywhere in the world where the stranger
took them. They were to be left there to find
their own way home. They had no money,
no identification, and no idea where they
were. If they arrived back home, there
would be a million dollars waiting in each
of their bank accounts
The story deals with their adventures along
and leads to the only way they could survive.
The story leads to many friends, many
adventures and many places.
As you read enjoy. It continues . . . . . . .
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The man once more reached for Shing Li, not
seeing Mae.
He touched her again just below and in front
of her neck, attempting to take hold of her
clothes and rip them off. The instant he touched
her the pain in his groin became so intense he
hollered and again grabbed for himself as if
holding himself he would somehow relieve the pain.
Mae came into his view. Psong also came into
his view. All three women stood in a row watching.
The man was bent over, pants down at his feet,
whimpering. Then the pain subsided and he stood.
He found himself exposed now in front of three
women.
"I'll get you." He reached one more time for
Shing Li. The moment he touched her uplifted arm
he was again in excruciating pain. He dropped to
the floor, lying there holding himself, whining
and hollering in pain. His organs were burning
past the point where he could stand it.
Mae spoke "From this day forward you shall
experience this pain whenever you have sexual
thoughts about any woman. You have been greedy,
selfish and have had no loving thoughts toward
women. Only when you are kind, loving, generous
and in a consensual relationship shall you
experience sex. Any force, unkindness or selfish
taking for your own pleasure shall cause you pain
worse than this. And think not this shall leave.
It will always be so wherever you are and with
whomever you are with."
The man's pain had left but with every word
his head nodded, not in agreement but because of
the force with which Mae's words were hitting him.
He rose, clumsily pulled up his pants, once
again tried to touch Shing Li and instantly was on
the floor again in pain. He could not understand
what happened, but he understood pain. He got on
his hands and knees and began to crawl out of the
house. Once on the porch he stood. Looking back at
the three women who had followed him he left, just
like a dog, with it's tail between it's legs. He
was beaten. Little did he yet realize that unless
he was in an acceptable relationship with a woman
he would always feel this pain. Over time he would
learn.
"How are you Shing Li?" Mae only wanted to
assure herself Shing Li was all right.
"I'm fine. I was a little shaken up but I am
fine. What will happen now?"
"You and every other woman he comes into
contact with will be safe. He will learn not to
bother anyone. If he does he will hurt, bad. Only
when his heart is pure and he is giving in a
relationship where consent is mutual will he be
able to enjoy coupling. It may take him some time
but he will learn this. Then he will be a fine and
contributing citizen. In the meantime I have
replaced the protective shield around the house
and it is safe for you to go to the village." Mae
had concluded her work here, but she decided to
stay and visit for a bit.
"How is it you are able to do these things
Miss Mae? How can we do these things too?"
"Shing Li, all people can do this. It is a
matter of belief. When you believe you can, you
can. That is all there is to it, nothing more."
"But I have tried. I have not been able to do
this" answered Shing Li. "Psong and I both have
tried."
"You try, tentatively, as an experiment. That
is not the action of one who believes. You are to
do because you know. There is no question in your
mind this can be done. You expect results because
you know you can do it."
"But how can that be? I must believe to be
able to do but how can I believe if I don't see
it?"
"Psong, you must learn the laws and come to
believe they work. You must learn to trust. Some
call it faith, some call it trust, and some refuse
to proceed, preferring instead to think it too
hard. All people must make a choice as to what
each will do. None are exempt from the law. Each
can do what I do." Mae was lowering her voice,
being very calm, yet authoritative.
"It seems so hard. I don't know if I will ever
get it" said Psong.
"Nor I" said Shing Li.
"Girls, know this. I, too, passed through a
period of time where I thought the same. Yet I saw
my son live by higher law, and I have friends who
live by higher law, so I kept on. You, too, will
succeed if you continue to search, ask and knock
each day. Let no day go by without going inside,
in meditation, and communicating with your Maker.
One day you will receive the gift."
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THE SAGA OF PINEHILL is a serial we run daily.
Be sure to read your PEBBLE to catch up on
what is happening.
TOMORROW - - - Back with Sue
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OBSERVATIONS OF OUR BUSINESS
Since beginning the Project 2003 item, many of you have
become interested in following what we are doing in our
business.
It is a way of seeing some of the good things and not so good
things that happen to us along the way.
While it may not replicate your story, neither may it be replicated
by you, it does keep you updated on some of the trials and
tribulations of doing business on the internet.
We thought we would keep it up.
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TODAY'S REPORT:
I was up to more political stuff today. Two weeks left folks and
then we'll find out if we win or not. At this point we have done
far more work than any visible candidate. It is looking good,
but assuming things can cause us trouble, so we are straight
ahead and hard at it.
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Ezine advertising works, at least at thePEBBLE. We are
one of the oldest ezines on the net and circulate daily to over
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For ads that work go to
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Reach so many for so little.
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THINK ABOUT THIS TODAY!
"Earn as much money as you possibly can and as quickly
as you can. The sooner you get money out of the way, the
sooner you will be able to get to the rest of your
problems in style."
---- Jim Rohn
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HA! HA! HA!
Marriage Insight
My mother buried three husbands, and two of them were just napping.
--Rita Rudner
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THE HOKEY POKEY
Original Lyrics
Put your left foot in,
Your left foot out,
Your left foot in,
And shake it all about.
You do the hokey pokey
And turn yourself around
That's what it's all about.
THE HOKEY POKEY
Shakespearean Style
O proud left foot, that ventures quick within
Then soon upon a backward journey lithe.
Anon, once more the gesture, then begin:
Command sinistral pedestal to writhe.
Commence thou then the fervid Hokey-Poke.
A mad gyration, hips in wanton swirl.
To spin! A wilde release from heaven's yoke.
Blessed dervish! Surely canst go, girl.
The Hoke, the poke -- banish now thy doubt
Verily, I say, 'tis what it's all about.
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© 2004 thePEBBLE PUBLICATIONS
http://www.the-pebble.com
thePEBBLE Publications
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Box 6, Site 270, R.R.2
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