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PAGE 18 THE SOUTHERN ISRAELITE April 4, 1986
The Business
Supermarket
1 or \ our comprehensive business needs:
Capitalization • Consulting • Benefit Plans
Strategic and Financial Business Planning
Acacia Financial Services Ctr.
2-100 Like Park Drive
Suite '>}<)
Simnut. ti.\ oOONO
(404)434-2557
Arnold Zippermarv
C crtilicd I inam ial PI.inner
FREE MARKET REPORT
WALL STREET JOURNAL
Posts Our Numbers
Of the top 25 OTC performers in 1985, Stuart-James un
derwrote 4 including the NUMBER ONE leader! {Wall
Street Journal, January 2, 1986)
FORBES Puts Us In Their Top Ten.
Among investment bankers with 5 or more issues, Stuart-James
ranked 6th in outperforming the S&P s 500! (Forbes, March 10,
1986)
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Contact Cassandra L Green at (404) 980-9080
180 Interstate North
Suite 270
Atlanta, GA 30345
T.S.I.
IRA
Individual Retirement
Account
Now is the time to make this very important investment.
Why settle for low CD hank rates?
We offer:
• Zero Coupon Bonds
• Corporate Bonds
• Ginny Maes Collateralized
• Ginny Maes
• Government Bonds
• Bond Mutual Lunds
Compare our rates before you buy!
For immediate information on these or other bonds, call
Pierce Hammond.
J. C. Bradford & Co.
Members New York Stock Exchange, Inc AndTFte Southeast’s
Largest Investment Banking FIrm
Seven Piedmont Center, Suite 300, Atlanta, GA 30305
(404)261-1100
In-State (800) 282-0308
Out-of-State (800) 241-6352
Member S I P C
Business and Financial
Business Briefs
Small business financing
Obtaining financing for an exist
ing or a new small business can be
difficult. After all, most small bus
iness owners are experts in the
product or service they sell, but
they’re not experts in finance.
What’s an entrepreneur to do? Ac
cording to the Georgia Society of
CPAs, before setting foot in a bank
or meeting with a prospective inves
tor, owners of small businesses
should be prepared to demonstrate
howthey will repay a loan orgivea
return on an investment.
“Financiers are basically mer
chants whose stock and trade is
money,” says Daniel A. Giannini,
of the Small Business Committee
of the American Institute ofCPAs.
“They want to put their money
behind people they trust.”
The first step in gaining the con
fidence of a prospective lender or
investor is to present a detailed
business plan. “Making a good
presentation is half the battle in
getting debt financing,” says Gian
nini.
You’ll need three financial fore
casting tools: projections of opera
tions, cash flows and a balance
sheet. It’s probably best to consult
with a C PA lor help in drawing up
these three forecasts because doing
them accurately and in a proper
format can make a difference to a
lender.
When the lender looks at your
projections, credibility is impor
tant. If your profit forecasts are
too optimistic, you may lose credi
bility. So it’s usually best to be con
servative. In fact, you may want to
draw up an additional set of fore
casts, based on a worst-case scena
rio, to assure a lender that you
have adequately planned for down
side risks.
The CPAs recommend small
business owners approach debt
financing systematically, putting
together the financial forecasting
data, charting the costs and exa
mining how to pay back what is
borrowed. A smart planning tech
nique for existing businesses is to
do all of this when debt financing is
not needed. Commonly, compan
ies only resort to borrowing money
in the throes of a crisis. That’s pre
cisely the time when lenders are
least likely to be supportive. The
CPAs recommend applying for a
credit line when you can make a
strong case for your business.
The above information has been
supplied by the Georgia Society of
Certified Public Accountants Inc.
Karen Harris is the manager
of Sydell’s Skin & Body Care
Salon w hich her parents, Sydell
and Arthur Harris, recently
opened at the Galleria Specialty
Mall.
Karen, a graduate ot the Uni-
versity of Georgia and July
bride-to-be, has been interested
in the skin care field since she
was 15 years old and began
apprenticing under her moth
er’s tutelage.
Steven E. Marcus recently ad
dressed the Atlanta Forum, a con
tinuing professional education pro
gram of the Georgia Society of
Certified Public Accountants.
Marcus is an attorney and presi
dent of Steven E. Marcus, P.C. He
is also a trustee of Temple Emanu-
El.
His topic was Georgia Workers'
Compensation Law.
Gary P. Alexander of Thom
son McKinnon in Atlanta has
been elected to the Nuveen Ad
visory Council.
The Nuveen Advisory Coun
cil is comprised of a group of
investment professionals across
the country who are cited “for
continuing excellence in finan
cial counseling in the field of
tax-exempt securities.”
Betty Smulian, president of
Trimble House, is co-chairman with
Carol Sheppard and Betty Talmadge,
of the 1986 national meetingof the
Committee of 200 to be held in
Atlanta April 17-19, at the Ritz-
Carlton Buckhead. Amongthe speak
ers of national and international
renown will be Atlantans Sidney
Topol, CEO of Scientific Atlanta,
and Dr. Mike Mescon, dean of the
Business College at Georgia State
University. The Committee of 200
is a network of women owners or
managers of major businesses.
Arnold Zipperman has
joined the Acacia Financial Ser
vices Center of Atlanta as an
account manager, responsible
for the implementation of busi
ness and personal financial plan
ning.
A native Atlantan, Zipper-
man received a bachelor’s de
gree in business administration
from Emory University and is a
graduate of the College for Fi
nancial planning in Denver.
He is a former vice president
of Congregation Or VeShalom,
is treasurer of the Georgia Al
liance for the Mentally Ill and is
a member of the Jewish War
Veterans, B’nai B’rith, Men’s
American ORT and the Boys
High School Alumni Associa
tion.
He is married to the former
Esther Amato. They have four
children.
Medical care can
save your health
but the cost
could ruin your
retirement.
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B’nai B’rith s Mcdifiap:
■ Benefits for medical, hospital
and surgical charges,
Including doctors' office
visits.
■ Acceptance guaranteed for
B nai B rith members and
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■ Private Duty Mursing Option
■ Your Choice of 3 Plans
Pre-existing conditions not covered
for the first 6 months. We enroll
new members.
Medicare
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for full details contact:
Dee Budnick
Tues., Wed., Thurs.
(404)261-6669