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The statistics staring at budding entrepreneurs are ugly-nearly two out of three new businesses won't survive past six years. A lack of a rigorous business plan, insufficient marketing, and poor product quality can, among numerous other problems, contribute to this sobering reality, but foremost among the reasons for early failure is a rather mundane and oft overlooked difficulty-poor cash flow management. "Consumers are not stupid about banking issues, but they often are ignorant about the most efficient choices for themselves," the author, argues that many Americans-including many small business owners-are poorly educated about their own finances and, as a result, the choices they make on a daily basis often lead to long-term trouble.
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