Since the financial collapse of 2009 and other conditions that affect the financial industry, it is important to establish and maintain a good credit score/report. The following is a list of companies or agencies that can review your credit report:

• Lenders
• Insurance companies
• Landlords seeking a credit check for renters
• Credit card companies
• Companies where you are seeking employment (only with your written consent)
• Organizations considering your application for a government license or benefit (if the agency is required to consider your financial status)
• State or local child support enforcement agencies
• Government agencies (usually can only look at your name, address, former addresses, and current and former employers)
• Other organizations you've initiated business with

Topics include: 1) How to obtain/interpret your credit report; 2) Legally correct your credit score without paying ; 3) Tips to avoid identity theft, credit fraud & other popular scams; 4) How inquiries affect your score; 5) How long bankruptcies and collections stay on your report; 6) How is your score calculated; and 7) The effects of debt to income.

Inflation, fluctuating interest rates, and the current economic conditions have made it mandatory for the small business owner to closely manage their cash flow. Most small businesses use a cash basis rather than an accrual basis of accounting because it is easier and takes less time to maintain. Generally this is what gets the business into trouble. In this seminar you will learn how to:

• Maintain adequate cash flow
• Project cash flow needs
• Calculate current ratios
• Total debt ratio
• Profit margins
• Liquidity
• Quick ratios
• Asset management ratios
• Accounts receivable turnover
• Debt management ratio

This information will allow the small business owner to see and understand how his business stands financially and what a lender likes to see in regards to the business rations.

Marshall Chamber of Commerce

Visual Arts Center, 208 E. Burleson - NEW ADDRESS!

Wednesday, October 31

8:30 - 11:30 a.m.

Free Admission 

RSVP by Thursday, October 25 

Having exit interviewed over 5000 restaurant patrons; this seminar breaks down a successful restaurant experience to the basic components of a complex, well-oiled machine that delivers excellence consistently. The actual dining episode is a small part of the countless hours of preparation and training that goes into a memorable dining experience. Hire people that truly appreciate your product and are excited to share it with your guests, and you are half way there. Come. Let's talk restaurants. Topics Include:

• Opening checklist
• Restaurant statistics
• What customers want
• What's hot in 2012-2013
• Market Analysis
• Merchandising and store layout
• Financials and restaurant math
• Marketing and Promotions
• Social media for restaurateurs