FINANCE
	Downturn Makes Receivables Management a Focal Point by Eric Shaw
	SACRED COWS MAKE THE BEST BURGERS BUSINESS FAILURE: Some Early Warning Signs by C.T. Moffitt
	The Lenders Crystal Ball how to predict a default before it happens by Barry Smith
	Negotiations "5 Keys to Negotiate the Best Deal Ever" by Karim Jaude
	"Keeping Dollars in Your Pocket" A Review of Available Legal Tools That Help You Keep More of What You Earn by Michael G. Homeier, Esq.
	It Pays to Think Niche - Loans from small private funds may help stimulate growth in today's market by Stephan Kachani
	Building Bridges in the REO Realm by Stephan Kachani
	Give Your Customers the Money to Buy Your Products by Joel Block
	Financing Your Franchise by Brian Link
	How to Plan Effectively for Unit Growth by Norman A. Blieden, CPA
	Lender Warning - Beware of Sham Guarantees by Stephen M. Fenster
	The Proactive Value of Receiverships by Deborah Jackson
	Making Your Vendors Your Lenders by Eric Shaw
	COLLECTING BAD DEBTS Good Client Relations are Paramount By Susan Carole "Pepper" Jay, Esq.
	FINANCIAL INSTITUTION LIABILITY FOR PAYING ON INSTRUMENTS WITH FORGED ENDORSEMENTS by Jeffrey F. Sax, Esq.
	How to free up cash flow now By Garry E. Adams
	Negotiating Secrets: How to Get the Best Deal on Everything - Evertime by Selwyn Gerber, CPA
	PLANNING: Roll-up partnerships boost growth of firms by Andrea Alegria (submitted by Michael Stark)