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If you ask a small insurance business what’s one of the most difficult operational tasks that needs to be dealt with, staying on budget with monthly expenses will likely be a top contender, especially in these challenging economic times. And chances are your insurance business faces the same obstacle every month.

It seems every time you turn around, there is another expense, a delay in payment, or some other circumstance that has a negative effect on your cash flow. So instead of putting a little something away for an even rainier day, you find yourself sweating it out until it’s time to flip to the next page of the monthly calendar for a fresh influx of cash.

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