Cash Flow Statement Cash Flow 101

by Ahmet Kirtok on November 25, 2009

Cash Flow

Did you know that many small businesses fail due to amateur cash flow management whether they are profitable or not? This article offers tips about cash flow projection, a free cash flow template, two free cash flow calculators, and explains the meaning of cash flow and cash flow statement.

Whether for business or personal finances, Cash Flow Management is a crucial part of financial management.

If you are here to download the free cash flow statement templates, and don’t want to read further about cash flows, here are the shortcuts:

If you are here to learn more about the crucial part of financial management; Cash Flows, let’s start with the Cash Flow 101.
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How to Make Money with Facebook Ads

by Ahmet Kirtok on November 23, 2009

Make Money with Facebook Ads

According to Facebook, there are over 300 million active Facebook users. While over 50% of the users login to their Facebook account every single day, fastest growing demographic is 35 years old and older. (If you are interested in finding out more about Facebook’s demographics & stats, check out Facebook’s stats page.)

Whether you are a small business owner, an online marketer or the head of marketing at a giant corporation, if you are still not using Facebook to get new customers and business, you are making a huge mistake.

Facebook has an ad platform called Facebook Ads, and you can start advertising on Facebook Ads with as low as $1 a day. Yes, it is 1 buck a day.

At the end of this article, you will be able to launch your first Facebook Ads campaign and learn how to optimize Facebook Ads. If you have been running Facebook Ads, you will learn some advanced tips for Facebook Ads targeting and split testing which will end up lowering your ad spent tremendously for the same amount of clicks.


How to Make Money with Facebook Ads article is written for absolute beginners in mind, but I will also be sharing some pretty advanced, never shared Facebook Ads techniques. I will also reveal the secret tool used by the top Facebook marketers. Some of these top Facebook marketers are my friends, they won’t be happy at all when they see that I’m sharing their secret weapon; “I’m sorry guys, please don’t get mad at me!“.

Okay… Enough said, let’s get started with the “How to Make Money with Facebook Ads” Guide.

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Getting Things Done by David Allen

Information overload is a pretty new term moved into our lives with the internet era. Especially if you are working online, you have to be on top of things all the time.

My regular work day starts with checking my emails and checking my stats on several sites. I have never thought about organizing basic tasks in my regular business day. Of course, for every project or a website we make plans, timesheets, we use project management tools, etc. But how about organizing the very basic daily tasks we do all the time?

Understanding and Accepting the Problem

Since the beginning of 2007, I knew that I was spending so much time on unnecessary things and tasks in my daily life. I didn’t know the solution, but I have finally admitted it was a serious problem for my business and for my daily life. Then, I started looking for a solution.
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Amazon Goes Green, Is Your Small Business Still NOT Green?

by Ahmet Kirtok on September 11, 2008

Amazon Goes Green

Amazon has launched a new cateogry called Amazon Green a few weeks ago. Amazon has always been good with following high demand trends in online shopping world. In most cases Amazon is the first to implement those.

The behavior of both offline and online shoppers in the US are changing, and going more towards Green Shopping. This is great news for the environment, and for our future.

Many small businesses are following the green shopping trend for a while but the big shots in online shopping game are jumping onto the board recently, one by one.
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How to Make Stable Passive Income As an eBay Affiliate

by Ahmet Kirtok on August 31, 2008

Stable Passive Income As an eBay Affiliate

Is it possible to create a stable passive income stream with affiliate marketing?

Yes, absolutely.

Is it true that we can create an affiliate site within minutes and become a millionaire overnight, just like it says in $99.00 “Get Rich Overnight” ebooks?

Unfortunately, I don’t think so. Every penny, a real online marketer makes online, is the result of very hard work and many sleepless hours spent on the computer.

I have found a way to create a stable passive income stream with much less work than any online or affiliate marketing techniques.

I don’t know why I’m doing this, but I will share my biggest secret today which I have never shared before, not even with my close friends. I am a guy who believes in KARMA, so here it goes.

My true story of making over $5000/month passive income within 3 months as an ebay affiliate:

It was around August of 2007 when I have read a few forum posts about a software/script called BANS (Build a Niche Store). A few people were talking about how much they make with this script as an ebay affiliate.
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Uncle Sam’s Money is one of the most popular government grant application programs on the market. I have received several pm’s and emails about Uncle Sam’s Money Programs. I’ve decided to purchase the program and write a review about it.

If you are reading this review, it means you are interested in applying for a government grant. If you haven’t read already, I’d recommend reading a post I’ve written about How to Get Government Grants also.

If you like, visit Uncle Sam’s Money before reading my review.

Uncle Sam’s Money Review

There are so many government grant application information products on the market, most of them are CD’s that you get in the mail. The trick is you pay only shipping, get the CD in the mail with the information but they start charging your credit card monthly until you cancel it. Uncle Sam’s Money is a one time fee program.

Here’s what you will get if you decide to purchase Uncle Sam’s Money:

  • Instant access to all the resources (membership site)
  • Free Consultation from a grant specialist. As far as I know, only Uncle Sams Money offers this option.
  • Grant Writing Tutorial and a Grant Writing Software. This is very useful if you haven’t applied for grants before. Writing a great grant application is one of the most important part.
  • Up-to-date Federal Government Grant Programs Directory.
  • Up-to-date State Government Grant Programs Directory. (most programs do not offer the state government grant directory)
  • Unlimited email support by Uncle Sams Money staff. If you have any questions about your grant application, there will be support to answer your questions. This is very valuable when you need guidance.
  • Seperate directory for education grant resources.
  • Contact details of grant specialists (including phone numbers) in your area. This is worth getting the Uncle Sams Money.
  • Resources and wealth of information for all types of grants such as small business grants, education grants, women’s grants, research grants, personal needs grants, housing grants, healthcare grants, etc. Not focused on on specific field of grants.
  • They offer so many free bonuses (ebooks, information, tutorials, etc.) that I won’t even have time to list here. Here’s the full list, go check them out.

Visit Uncle Sam’s Money to view the full list of features.

How much does Uncle Sam’s Money Cost? Is there a money back guarantee?

Uncle Sam’s money is normally $79.95 (one time fee), but they are running a limited time special for $39.95 (one time fee, no recurring charges). Everything is upfront, no hidden or recurring charges, that’s what I like about Uncle Sam’s Money Program.

They also offer 90 days, 100% money back guarantee, this shows their confidence in their program’s success. You will also get a FULL refund unconditionally if your grant application is not approved. Nothing can get better than this.

If you are in the process of preparing a government grant application and trying to decide a program to purchase, I’d highly recommend Uncle Sam’s Money, one of the most respected programs on the market.

I wish you the best luck getting the much needed grant you deserve.

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How to Buy or Sell a Business?

by Ahmet Kirtok on April 12, 2008

You have decided to buy or sell a business, now what will you do? It is always good to know your options before buying or selling a business. Here are some of the routes you might take:

Market Research Before Selling or Buying a Business

When there are thousands of businesses for sale on the market, market research might be time consuming. If you haven’t done so, check out these articles from SBA (Small Business Administration) about buying a business, and these articles about selling a business.
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How to Get Government Grants?

by Ahmet Kirtok on April 2, 2008

How To Get Government GrantsUS Government offers hundreds of billions of dollars cash every year as grants. Many think these grants are for only small businesses, but government offers grants for a wide range of purposes including small business grants. So the government offers this free cash, and the question is “How to get government grants“?

If you have a business consultant working for you, and if you haven’t discussed this topic, you should do it now, because government offers these grants to any type of small businesses. It doesn’t matter how profitable your company is, you might use some free extra cash to buy your own facility, right?

But if you don’t have a small business consultant, or can’t afford one, don’t worry. Applying for government grants is not that hard. Here’s a step by step guide:

How To Get Government Grants Guide

  • 1) Visit Grants.gov and read all the information available.
  • 2) Visit Catalog of Federal Domestic Assistance Government Grants Search Page and visit all the categories until you find the most appropriate category for your needs. You can also visit Grants.gov search page and search grants by keyword.
  • 3) Preparing the government grant application is the most important part. You can get great information at Grants.gov or on other sites, but remember many applicants fail due to the mistakes on their application. There are many affordable informational products out there to guide you on the application process step by step (some of them include live chat and/or phone assistance from experienced grant writers). I’d highly recommend getting one of these products. Beware of the scams out there, there are also many scam products on the net. Here’s a great guide which compares government grant programs, they have tested over 50 products, and they recommend 5 of the best ones. If you ask my best pick, it is the Government Research Guide, I have personally used it and it was extremely helpful. You can also read Uncle Sams Money Review I’ve written which is a great progra.
  • 4) Keep track of the New Opportunities Page at Grants.gov. It is updated daily, some fascinating grants become available, and if you visit this page, you will be one of the first people to learn about it.
  • 5) When filling out the application, be very honest, explain your goals in detail, and do not exaggerate your situation, ’cause many people do. Here’s the online application system for applying to government grants.

That’s basically the steps you need to take for the answer of “how to get government grants” question. Now, sit back and relax, and hopefully you’ll have the next government funded success story. Good luck.

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Free Advertising for Local Small Businesses

by Ahmet Kirtok on March 22, 2008

Free Local Business AdvertisingLocal businesses usually don’t have large advertising budgets. Large franchising chains, and brand names usually use their national advertising channels to compete with local businesses.

Internet advertising is becoming more popular for both online businesses and local small offline businesses. There are some quality local business directories online. One of them I’ve found recently is Kudzu.

Kudzu.com is an Internet venture owned and operated by Cox Search Inc., a subsidiary of Cox Enterprises, one of the nation’s leading media companies and providers of automotive services. So, it’s backed up with a well known brand.

Kudzu is running a special for a limited time. They are offering FREE Premium listing through 2008. I have registered my businesses last week, and already started receiving some quality traffic. I wanted to share this information with my readers since it’s a great value (normally it’d cost you around $750.00).

Click to visit to register your business for FREE (No credit card required, nothing to lose).

Here’s how your premium listing will look like at Kudzu.

Premium Local Business Listing

Take advantage of this limited time offer and register your business for free. Every visitor helps for your business.

* Important Tip: You don’t have to own a local business to be able to register. One of my websites receives the most traffic from a niche local business directory site.

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2007 Holiday Sales Stats For Online Businesses

by Ahmet Kirtok on November 27, 2007

[photopress:online_sales.gif,full,alignleft]According to a recent Forrester Research report, online holiday retail sales in the U.S. are expected to hit $33 billion in 2007, a 21% increase over last year’s sales. Personally speaking, our online sales have already doubled this holiday season. Even though we have run a big discount through an email campaign, black friday was not our best sales day. For the holiday season our best day was yesterday (Cyber Monday).

Our prediction shows that our ecommerce business sales will increase around 50% for the month of december (compared to november), and we will try to keep the increase until June with different promotion techniques.

Included in Forrester’s report were the following findings:

Apparel and Accessories: This category will top holiday shopping lists.
(80% of respondents said that they will purchase something in this category online.)

Free Shipping: A majority of consumers still have interest in free shipping promotions.
(61% of respondents said they are more likely to shop online from a retailer offering free shipping.)

Less Flare: Fewer consumers are willing to pay for extras such as gift wrapping, or overnight delivery.
(26% of respondents said they would pay for expedited delivery prior to the holiday season, down from 45% who said they would do so in 2006.)

*Forrester defines the holiday shopping season as the period between Thanksgiving and Christmas.

ComScore, Inc. also released recent information and predictions regarding the 2007 holiday season. ComsScore, a global leader in measuring the digital world, projects that the months of November and December will see approximately $29.5 billion in online consumer spending.

2006 versus 2007

Non-Travel (Retail) Spending (Excludes Auctions and Large Corporate Purchases)

2006: Jan-Oct: $77.5 Billion
2007: Jan-Oct: $93.6 Billion
(21% Increase)

2006: Nov-Dec (Holiday Season): $24.6 Billion
2007: Nov-Dec (Holiday Season): $29.5 Billion
(Projected 20% Increase)

Their reports also show that the first eighteen days of the holiday season saw more than $7 billion in online retail spending.
Holiday Season to Date, 2006 versus 2007

Non-Travel (Retail) Spending (Excludes Auctions and Large Corporate Purchases)
2006: November 1-18, $6.01 Billion
2007: November 1-18, $7.04 Billion
(17% Increase)

“The online holiday shopping season got off to a slow start in the first week of November, but it has since picked up sharply,” notes comScore Chairman Gian Fulgoni. “Sales in the first ten days of November were up modestly versus year ago, but surged to levels in excess of 20 percent by mid-November. It’s likely that warmer than average weather at the beginning of November kept people outdoors and away from their computers, weighing down early holiday season sales, especially for key online categories like apparel. The growth rates during the second and third weeks of November are likely to be better indicators of how the remainder of the season will play out.”

Many will sale most of the ecommerce niches are already saturated. DO NOT Believe them. There are so many ecommerce niches that needs new online stores desperately. Even some big names still don’t do a good job in online marketing. For me, an ecommerce business is like a long term investment. People will shop online more, and your ecommerce site will keep growing if you work hard on it.

Happy Holiday Sales!

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