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If you pay your property, auto or liability insurance policy annually and the renewal period ends during periods of low cash flow, change the annual renewal date.
The Labor Department is putting new teeth into its rules that require employers to deposit employee 401(k) contributions by the 15th business day of the month following the month in which the employee contributions are made.
If you're shopping for cheaper phone service, include companies that sell Voice over Internet Protocol, or VoIP, services to small businesses.
If you've been frustrated with your bank's service, 2004 is the year to shop around for a replacement, or, at the very least, to press your current institution for more services, especially if you do business with a large bank or community bank.
The post-Sept. 11 era has brought a disturbing number of contractors and salespeople trying to profit from businesses' concerns about terrorism.
If you're involved in a negotiation to sell or buy a business, equipment, goods or services, you may be asked to sign a letter of intent (LOI).
Some little-known, but still-helpful sites