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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) Send tor Our FREE MARKET REPORT, And We ll Give You The Whole Picture. The FREE MARKET REPORT is available only from Stuart-James with no obligation Just fill out this coupon and mail it to us. T Please send me the Stuart-James FREE MARKET REPORT | □ Yes, I would also like information on Tax Free Municipal Bonds. NAME ADDRESS CITY:STATE ZIP TELEPHONE (Business) _ (Home) (Please fill in all information to receive the report). Mail to: Intl.lmfnl (Unk.r. 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. Protect yourself with 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 their spouses over 65. ■ Private Duty Mursing Option ■ Your Choice of 3 Plans Pre-existing conditions not covered for the first 6 months. We enroll new members. Medicare Is Not Enough. Underwritten by Brith^ MfJNY Group Insurance COMPAWO* Ntm »0«« for full details contact: Dee Budnick Tues., Wed., Thurs. (404)261-6669