All businesses face unique difficulties - some are simply seasonal, while others are brought on by natural phenomena. Each company has a special set of tools at their disposal to manage each hardship, and their owners generally have a specific approach to finding a solution. There is one indispensable tool, however, that can be regularly used to keep any company running smoothly and help them learn how to navigate tough times: Cash Flow Management.

How well you manage your cash flow is vital to the long-term health of your business. Effective cash management is more than just "money in the bank."

Have you missed socializing and having business meals with your prospects, customers, and employees? Also, the holidays are coming up - will a year-end holiday meal to gather employees and their families be tax deductible?