Civis Network

Research has shown that a typical person in a developed country spends close to forty percent of her or his income even before earning it. Today’s society runs on credit as loans are available to pretty much everybody. People take loans to fulfill their desires, such as owning a car, a house or going on [...]

I can’t imagine going on any sales call without doing a dollar breakout for my client or customer. Yet every day, many well-intentioned sales people fail to do it. I adopted this concept years ago and even Jeff Fox talks about it in his book, ”How to Be a Rainmaker.” When I read the concept, it struck [...]

Financial statements are formal records of the financial activities of a business, person, or other entity. It provides an overview of a business or person’s financial condition in both short and long term. It is a tool used to communicate financial information of an entity to those who wants to make decision and informed judgments [...]