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Nov 21, 2008 | 10:58am ET

Factoring can be a godsend for growing businesses that need to smooth out their cash flow. Here's what you need to know about it. more

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You can still cut back without shedding staff. Here's how. more

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Nov 18, 2008 | 1:29pm ET

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Marketing in a downturn

I am a management & financial consultant in California. Can you suggest how to to market our services in current downturn? Businesses are not enthused to borrow and banks are tightening their standards significantly ...
-Ray, Capital Management Group, Anaheim Hills, Calif. more
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Re: Marketing in a downturn

Your methods for marketing (emails, newsletters, search) are still fine. It's the message that you need to focus on. From the sound of it, your services should be more relevant to struggling small businesses than ever. So your message needs to be convey that clearly ...
-AG, Dallas more

What's the difference between an HSA and an HRA?

Currently I have a traditional health insurance plan for my business partner and myself. I would like to change from this tradtional health insurance into either a Health Savings Account or Health Reimbursement Account, but find it difficult to get information ...
-Susan Kelley, Kellsson Linens Inc., Denver more
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Re: What's the difference between an HSA and an HRA?

The main difference between a Health Savings Account and a Health Reimbursement Arrangement is control. With the HSA you are in control of the account while the HRA gives the control to the employer. Any unspent money can be carried over to the next year with an HRA ...
-Vince, Lake Geneva, Wisc. more

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